Home Insurance in Worcester County, Maryland
With a median home value of $374,700, Worcester County is 11% lower than the Maryland median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Worcester County was built around 1985. About 9% of homes were built before 1960, about 17 points below Maryland's 26%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Worcester County is 52% single-family homes, 39% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
In Worcester County, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 58%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Worcester County are owner-occupied.
Most homes in Worcester County - 64% - 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.
The top hazards for Worcester County, per FEMA's National Risk Index, are hurricane (Relatively Moderate), coastal flooding (Relatively High) and winter weather (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Worcester County has 29,032 active NFIP flood policies on file.
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 | $374,700 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Coastal Flooding (Relatively High), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 29,032 |
| Home insurance premium | $1,578 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)