Home Insurance in Williamsport, Maryland
The median home value in Williamsport is $227,900, 23% lower than the Washington County median.
The typical home in Williamsport was built around 1964. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 44% of homes were built before 1960, about 10 points above Washington County's 34%.
In Williamsport, the housing stock is 44% single-family homes and 39% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
63% of owner-occupied homes in Williamsport carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 37% of occupied homes in Williamsport are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Williamsport, 73% of homes 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.
What's the biggest home insurance risk near Williamsport? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Washington County and Washington County had 301 active NFIP flood policies as of September 2026. See the full Washington County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Maryland is $1,578 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $227,900 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 37% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)