Home Insurance in Leonardtown, Maryland
With a median home value of $575,300, Leonardtown is 41% higher than the St. Mary's County median.
The typical home in Leonardtown was built around 2012. About 6% of homes were built before 1960, about 5 points below St. Mary's County's 10%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Leonardtown breaks down to 80% single-family homes and 16% apartments in buildings with 5+ units.
About 79% of owner-occupied homes in Leonardtown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 65% of occupied homes in Leonardtown are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 50% of homes in Leonardtown are primarily heated with electricity.
St. Mary's County had 1,029 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full St. Mary's County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Maryland, the statewide average premium for a standard HO-3 homeowners policy is $1,578 per year (NAIC, 2023 data).
Key figures
| Median home value | $575,300 |
|---|---|
| Median year built | 2012 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 79% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in St. Mary's County | 1,029 |
| Home insurance premium | $1,578 - statewide average (NAIC, 2023 data) |
Nearby towns
- Eagle Harbor
- La Plata
- Port Tobacco Village
- Chesapeake Beach
- North Beach
- Church Creek
- Indian Head
- Cambridge
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)