Home Insurance in Washington County, Maryland
Homes in Washington County carry a median value of $296,100 - 29% lower than the Maryland median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Washington County was built around 1974. About 34% of homes were built before 1960, about 8 points above Maryland's 26%.
In Washington County, the housing stock is 78% single-family homes, 13% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
64% of owner-occupied homes in Washington County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 67% of occupied homes in Washington County are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Washington County - 54% - are primarily heated with electricity. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Washington County's top hazards are hurricane (Relatively Moderate), winter weather (Relatively Moderate) and earthquake (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Washington County has 301 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $296,100 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Winter Weather (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 301 |
| Home insurance premium | $1,578 - statewide average (NAIC, 2023 data) |
Towns and cities
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)