Home Insurance in Hebron, Maryland
With a median home value of $235,300, Hebron is 8% lower than the Wicomico County median.
The typical home in Hebron was built around 1993. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 31% of homes were built before 1960, about 9 points above Wicomico County's 21%.
In Hebron, the housing stock is 95% single-family homes and 5% apartments in buildings with 5+ units.
82% of owner-occupied homes in Hebron carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hebron has an owner-occupancy rate of 73% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Hebron - 66% - 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 Hebron? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Wicomico County and Wicomico County had 663 active NFIP flood policies as of September 2026. See the full Wicomico 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 | $235,300 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 82% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Wicomico County | 663 |
| 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)