Home Insurance in Oxford, Maryland
The median home value in Oxford is $791,700, 93% higher than the Talbot County median.
The typical home in Oxford was built around 1969. About 38% of homes were built before 1960, about 12 points above Talbot County's 26%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Oxford, the housing stock is 93% single-family homes and 2% apartments in buildings with 5+ units.
About 64% of owner-occupied homes in Oxford have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Oxford has an owner-occupancy rate of 84% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
65% of homes in Oxford are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Talbot County's overall risk as Very Low, led by hurricane (Relatively Moderate). Talbot County had 1,884 active NFIP flood policies as of September 2026. See the full Talbot County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Maryland carries a statewide average premium of $1,578 per year.
Key figures
| Median home value | $791,700 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Talbot County | 1,884 |
| Home insurance premium | $1,578 - statewide average (NAIC, 2023 data) |
Nearby towns
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)