Home Insurance in Keedysville, Maryland
With a median home value of $415,300, Keedysville is 40% higher than the Washington County median.
The typical home in Keedysville was built around 2002. About 20% of homes were built before 1960, about 14 points below Washington County's 34%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Keedysville breaks down to 96% single-family homes and 2% mobile or manufactured homes.
In Keedysville, about 78% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 97% of occupied homes in Keedysville are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 76% of homes in Keedysville are primarily heated with electricity.
Washington County had 301 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Washington 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 | $415,300 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 78% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Washington County | 301 |
| 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)