Home Insurance in Trappe, Maryland
Homes in Trappe carry a median value of $242,600 - 41% lower than the Talbot County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Trappe was built around 1980. About 27% of homes were built before 1960, in line with Talbot County (26%).
The housing stock in Trappe is 76% single-family homes and 5% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Trappe, about 78% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 64% of occupied homes in Trappe are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Trappe - 73% - 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.
What's the biggest home insurance risk near Trappe? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Talbot County and 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 | $242,600 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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)