Home Insurance in Pocomoke City, Maryland
With a median home value of $199,000, Pocomoke City is 47% lower than the Worcester County median.
The typical home in Pocomoke City was built around 1973. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 42% of homes were built before 1960, about 33 points above Worcester County's 9%.
The housing stock in Pocomoke City is 79% single-family homes and 15% apartments in buildings with 5+ units.
In Pocomoke City, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 60% of occupied homes in Pocomoke City are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Pocomoke City - 65% - are primarily heated with electricity.
What's the biggest home insurance risk near Pocomoke City? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Worcester County and Worcester County had 29,032 active NFIP flood policies as of September 2026. See the full Worcester County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $199,000 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Worcester County | 29,032 |
| 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)