Maryland Homeowners Insurance

Reviewed byPlaininsure Editorial, Homeowners Insurance Transparency Editorial Team · June 4, 2026

U.S. Treasury FIO data for 422 ZIP codes in Maryland (MD).

Homeowners in Maryland pay an average of $1,627 per year for home insurance — 8% below the national average of $1,776. That ranks Maryland as the 30th most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums rose by 9.7%; nonrenewal rates climbed by 42.0% over the same period.

On five-year premium growth (2018–2022), Maryland ranks 16th out of 51 states. Its nonrenewal rate (0.80%) ranks 41st out of 50 — nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.

Source: U.S. Department of the Treasury, Federal Insurance Office — "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for caveats.

Avg Premium

$1,627/yr

National avg: $1,776 (-8% below)

Premium Change

+9.7%

2018-2022 change

Avg Loss Ratio

62.0%

Claims paid vs premiums earned

Nonrenewal Rate

0.80%

+42.0% change

Data Snapshot: Maryland Homeowners Insurance

Maryland homeowners paid an average of $1,627 per year for home insurance based on U.S. Treasury FIO data covering 422 ZIP codes across the state. That is 8% below the national average of $1,776 per year reported by the Federal Insurance Office. Maryland ranks 30th most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $898 in 21835 to $5,794 in 21056.

Between 2018 and 2022, average premiums rose by 9.7% in Maryland, placing the state 16th nationally on five-year premium growth. The state-level loss ratio averaged 62.0%, meaning insurers retained a healthy margin after claims, typical of stable markets. Nonrenewal rates — the share of policies insurers decline to extend at expiration — averaged 0.80%, a climb of 42.0% over the study period (ranking 41st out of 50 states).

Within Maryland, premium dispersion across ZIP codes is substantial: the most expensive ZIP (21056 in Gibson Island) charges 545% more than the least expensive (21835 in Linkwood), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is for educational research only and is not insurance advice — homeowners should obtain quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.

Loss Ratio Reading: Maryland

Maryland statewide — FIO 2018-2022 average: 62% (Healthy) — standard operating range, sustainable for long-run pricing.

ZIP Codes Tracked

422

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$1,483	$1,401	65.2%	8.05%	0.56%
2019	$1,531 (+3.2%)	$1,444	51.1%	5.35%	0.83%
2020	$1,576 (+3.0%)	$1,482	53.8%	6.16%	0.63%
2021	$1,590 (+0.9%)	$1,493	51.8%	5.32%	0.67%
2022	$1,627 (+2.3%)	$1,522	62.0%	6.30%	0.80%

Average Premium by Year

$1,483

2018

$1,531

2019

$1,576

2020

$1,590

2021

$1,627

2022

Most Expensive ZIP Codes in Maryland

Most Affordable ZIP Codes in Maryland

All ZIP Codes in Maryland

422 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
21056	Gibson Island	$5,794	3.9%	1.49%	1.49%
21153	Stevenson	$4,665	46.1%	6.40%	N/A
21662	Royal Oak	$4,036	261.1%	3.42%	0.34%
21612	Bozman	$3,177	4.4%	1.76%	0.88%
21654	Oxford	$3,133	21.8%	3.16%	0.35%
20815	Chevy Chase	$3,027	31.6%	5.54%	0.42%
21210	Baltimore	$3,013	11.3%	4.20%	0.36%
20854	Potomac	$2,842	63.0%	7.11%	0.59%
21405	Annapolis	$2,829	90.6%	1.78%	1.33%
21071	Glyndon	$2,705	102.1%	11.68%	0.73%
21665	Sherwood	$2,679	25.5%	3.03%	2.27%
20817	Bethesda	$2,611	48.4%	5.82%	0.43%
21663	Saint Michaels	$2,606	38.2%	1.83%	0.92%
20862	Brinklow	$2,561	173.6%	9.82%	0.89%
20630	Drayden	$2,532	42.3%	5.91%	N/A
20816	Bethesda	$2,511	21.9%	4.29%	0.17%
21676	Wittman	$2,499	4.3%	3.52%	0.70%
20818	Cabin John	$2,486	40.4%	6.20%	0.50%
21131	Phoenix	$2,475	118.6%	13.59%	0.98%
21738	Glenwood	$2,467	37.0%	5.63%	0.70%
21111	Monkton	$2,460	62.0%	12.55%	0.86%
21035	Davidsonville	$2,445	49.2%	7.46%	0.39%
21737	Glenelg	$2,440	12.1%	3.21%	0.71%
20860	Sandy Spring	$2,435	49.4%	7.59%	0.52%
21647	Mcdaniel	$2,426	5.4%	4.10%	0.82%
21794	West Friendship	$2,391	37.5%	6.32%	0.31%
20814	Bethesda	$2,355	34.9%	4.68%	0.31%
20861	Ashton	$2,333	52.7%	7.82%	0.40%
20777	Highland	$2,312	39.4%	5.27%	1.01%
21679	Wye Mills	$2,308	N/A	N/A	N/A
20842	Dickerson	$2,296	40.6%	4.41%	0.21%
20812	Glen Echo	$2,287	20.7%	4.11%	N/A
21029	Clarksville	$2,278	161.5%	6.02%	0.54%
21152	Sparks Glencoe	$2,272	124.9%	18.73%	0.61%
21036	Dayton	$2,268	35.3%	4.45%	0.82%
21652	Neavitt	$2,263	5.5%	1.01%	N/A
20721	Bowie	$2,260	75.4%	13.59%	0.82%
21658	Queenstown	$2,252	65.3%	3.54%	0.82%
21204	Towson	$2,245	44.7%	5.31%	0.75%
20838	Barnesville	$2,231	0.8%	4.11%	N/A
20628	Dameron	$2,225	22.3%	6.11%	N/A
21723	Cooksville	$2,210	30.6%	3.77%	1.13%
20645	Issue	$2,194	42.9%	7.39%	1.06%
20677	Port Tobacco	$2,185	47.6%	5.31%	0.28%
20769	Glenn Dale	$2,171	77.8%	13.15%	0.96%
20896	Garrett Park	$2,162	89.0%	6.59%	0.37%
20754	Dunkirk	$2,124	83.7%	10.08%	0.19%
21673	Trappe	$2,113	12.1%	2.73%	0.95%
20833	Brookeville	$2,079	72.4%	7.70%	0.63%
21912	Warwick	$2,075	27.8%	3.68%	1.47%
21082	Hydes	$2,062	72.4%	11.31%	1.46%
20736	Owings	$2,061	304.0%	30.01%	0.33%
20693	Welcome	$2,060	41.8%	8.09%	0.32%
20868	Spencerville	$2,053	31.7%	2.55%	1.27%
21030	Cockeysville	$2,052	80.7%	8.41%	0.44%
21057	Glen Arm	$2,049	96.4%	12.61%	0.67%
20720	Bowie	$2,043	61.9%	11.95%	0.81%
20617	Bryantown	$2,040	41.6%	8.05%	1.15%
20759	Fulton	$2,028	96.4%	7.34%	0.59%
20882	Gaithersburg	$2,006	59.8%	5.95%	0.55%
20687	Scotland	$2,006	6.5%	3.88%	N/A
21813	Bishopville	$2,004	67.4%	4.67%	0.62%
20637	Hughesville	$1,993	64.0%	9.83%	0.43%
21601	Easton	$1,990	29.5%	4.18%	0.63%
20639	Huntingtown	$1,982	224.0%	24.23%	0.72%
21217	Baltimore	$1,982	79.5%	6.17%	0.99%
20690	Tall Timbers	$1,982	65.4%	6.15%	N/A
21677	Woolford	$1,979	25.4%	3.17%	1.59%
21013	Baldwin	$1,968	53.9%	9.15%	0.56%
20623	Cheltenham	$1,964	56.0%	9.78%	0.13%
20776	Harwood	$1,963	28.6%	4.86%	1.62%
21155	Upperco	$1,954	168.3%	24.86%	0.70%
21842	Ocean City	$1,954	13.0%	2.11%	0.41%
20607	Accokeek	$1,923	73.9%	9.82%	0.65%
21209	Baltimore	$1,916	34.5%	5.55%	0.65%
21163	Woodstock	$1,915	56.9%	9.17%	1.12%
21797	Woodbine	$1,912	72.0%	5.59%	0.81%
20676	Port Republic	$1,910	88.2%	9.05%	0.24%
20778	West River	$1,907	28.2%	5.44%	1.27%
21032	Crownsville	$1,905	115.5%	6.87%	0.81%
20615	Broomes Island	$1,900	73.8%	13.38%	N/A
21671	Tilghman	$1,898	9.8%	1.89%	1.18%
21208	Pikesville	$1,898	59.3%	7.93%	0.88%
20689	Sunderland	$1,897	189.1%	21.04%	N/A
20779	Tracys Landing	$1,891	20.1%	4.24%	0.75%
20674	Piney Point	$1,889	86.2%	5.71%	N/A
20744	Fort Washington	$1,882	79.9%	11.99%	0.80%
20765	Galesville	$1,870	33.2%	4.05%	0.68%
20758	Friendship	$1,869	62.5%	4.37%	0.49%
21120	Parkton	$1,865	37.6%	5.49%	0.83%
20680	Ridge	$1,854	26.3%	2.97%	0.66%
20650	Leonardtown	$1,851	55.9%	5.78%	0.30%
21403	Annapolis	$1,846	53.3%	6.52%	0.69%
21645	Kennedyville	$1,844	0.0%	0.31%	0.31%
20692	Valley Lee	$1,843	39.5%	4.85%	1.12%
21093	Lutherville Timonium	$1,833	37.3%	5.81%	0.36%
21042	Ellicott City	$1,832	56.6%	6.09%	0.43%
21156	Upper Falls	$1,831	403.2%	6.60%	0.94%
21401	Annapolis	$1,829	47.7%	6.93%	0.79%
20841	Boyds	$1,827	77.6%	9.92%	0.44%
21051	Fork	$1,821	49.2%	3.06%	1.02%
20685	Saint Leonard	$1,815	75.7%	9.85%	0.51%
21201	Baltimore	$1,814	53.9%	4.79%	0.50%
21409	Annapolis	$1,811	60.1%	6.30%	0.70%
21669	Taylors Island	$1,806	N/A	N/A	1.80%
20608	Aquasco	$1,801	78.5%	10.04%	1.67%
20684	Saint Inigoes	$1,798	48.5%	5.36%	N/A
21028	Churchville	$1,792	262.5%	26.65%	0.94%
21146	Severna Park	$1,792	37.6%	4.75%	0.55%
21218	Baltimore	$1,791	40.5%	6.27%	0.83%
21212	Baltimore	$1,782	25.2%	4.47%	0.56%
20632	Faulkner	$1,781	93.6%	10.61%	0.76%
21087	Kingsville	$1,761	35.6%	5.63%	1.27%
20609	Avenue	$1,759	34.8%	6.09%	0.55%
21717	Buckeystown	$1,753	6.7%	1.67%	N/A
21202	Baltimore	$1,751	31.9%	5.13%	1.38%
20688	Solomons	$1,751	39.6%	3.85%	0.24%
20626	Coltons Point	$1,750	114.4%	5.92%	0.59%
20624	Clements	$1,748	57.9%	4.33%	N/A
21231	Baltimore	$1,745	26.9%	4.39%	0.39%
21117	Owings Mills	$1,744	70.9%	8.34%	0.84%
20622	Charlotte Hall	$1,742	110.2%	14.04%	0.43%
20905	Silver Spring	$1,738	58.1%	7.73%	0.37%
21678	Worton	$1,735	12.8%	2.45%	1.38%
20613	Brandywine	$1,735	96.2%	10.93%	0.67%
20675	Pomfret	$1,734	39.1%	12.40%	1.22%
21140	Riva	$1,734	93.4%	7.24%	0.70%
20772	Upper Marlboro	$1,733	69.0%	10.03%	0.63%
20735	Clinton	$1,733	86.7%	11.88%	0.87%
20774	Upper Marlboro	$1,731	79.0%	9.94%	0.72%
21714	Braddock Heights	$1,725	2.8%	1.69%	1.69%
20664	Newburg	$1,724	49.5%	8.87%	0.70%
20678	Prince Frederick	$1,723	71.8%	8.90%	0.36%
21666	Stevensville	$1,721	70.7%	4.53%	0.74%
20629	Dowell	$1,721	32.2%	7.04%	N/A
20636	Hollywood	$1,717	87.2%	7.97%	0.49%
20606	Abell	$1,712	40.7%	2.50%	N/A
21136	Reisterstown	$1,711	67.3%	8.12%	0.67%
20732	Chesapeake Beach	$1,711	157.9%	15.43%	0.47%
21053	Freeland	$1,711	37.1%	5.15%	0.66%
21216	Baltimore	$1,709	49.5%	8.20%	1.28%
21104	Marriottsville	$1,703	50.5%	5.56%	0.37%
20837	Poolesville	$1,702	80.3%	8.64%	0.71%
20852	Rockville	$1,691	37.8%	4.63%	0.54%
21561	Swanton	$1,691	30.8%	1.85%	0.24%
20711	Lothian	$1,688	47.8%	6.91%	0.87%
21037	Edgewater	$1,687	137.2%	7.97%	0.84%
20620	Callaway	$1,684	57.6%	6.73%	0.88%
21541	Mc Henry	$1,679	13.9%	1.67%	0.50%
20712	Mount Rainier	$1,677	65.6%	5.87%	0.98%
20646	La Plata	$1,673	68.4%	8.05%	0.70%
21811	Berlin	$1,672	30.6%	2.90%	0.46%
21054	Gambrills	$1,662	48.1%	7.33%	0.72%
21154	Street	$1,661	53.3%	7.17%	1.16%
20850	Rockville	$1,661	41.6%	5.43%	0.53%
21047	Fallston	$1,656	79.1%	6.56%	0.40%
21754	Ijamsville	$1,652	62.3%	4.26%	0.31%
20667	Park Hall	$1,650	64.1%	12.61%	N/A
21132	Pylesville	$1,647	27.0%	3.51%	0.41%
21012	Arnold	$1,647	49.5%	5.56%	0.57%
21617	Centreville	$1,644	45.2%	5.86%	0.82%
21084	Jarrettsville	$1,644	109.6%	6.69%	0.70%
21161	White Hall	$1,644	46.7%	4.65%	0.56%
21915	Chesapeake City	$1,643	325.7%	25.57%	1.45%
20878	Gaithersburg	$1,638	59.9%	6.78%	0.70%
20895	Kensington	$1,636	52.7%	5.19%	0.46%
21667	Still Pond	$1,636	7.7%	3.57%	N/A
21620	Chestertown	$1,632	32.8%	3.06%	0.62%
20618	Bushwood	$1,629	64.5%	5.97%	0.30%
20611	Bel Alton	$1,623	48.8%	8.39%	0.36%
21622	Church Creek	$1,621	15.2%	3.77%	0.63%
20662	Nanjemoy	$1,620	53.8%	8.00%	0.92%
20832	Olney	$1,613	83.8%	10.41%	0.39%
20716	Bowie	$1,611	56.6%	10.76%	0.81%
20912	Takoma Park	$1,610	31.6%	4.54%	0.53%
21623	Church Hill	$1,607	10.6%	2.04%	0.41%
21710	Adamstown	$1,605	29.2%	4.17%	1.09%
20880	Washington Grove	$1,604	13.8%	2.14%	0.71%
20748	Temple Hills	$1,603	67.5%	10.69%	1.01%
21214	Baltimore	$1,603	102.4%	16.56%	0.81%
21215	Baltimore	$1,603	55.3%	8.23%	0.96%
20653	Lexington Park	$1,600	65.0%	8.37%	0.40%
21657	Queen Anne	$1,598	26.7%	3.38%	0.38%
21840	Nanticoke	$1,594	2.4%	1.32%	N/A
20601	Waldorf	$1,591	64.5%	8.43%	0.80%
21128	Perry Hall	$1,590	38.9%	6.13%	0.66%
20855	Derwood	$1,589	57.7%	6.70%	0.44%
21108	Millersville	$1,589	49.1%	5.88%	0.63%
20910	Silver Spring	$1,582	30.3%	4.61%	0.53%
20621	Chaptico	$1,581	57.3%	7.81%	0.45%
20746	Suitland	$1,581	71.5%	9.82%	0.94%
21648	Madison	$1,580	8.0%	2.74%	N/A
21638	Grasonville	$1,571	72.5%	4.95%	0.91%
20781	Hyattsville	$1,568	35.7%	6.11%	0.84%
21048	Finksburg	$1,568	55.7%	5.12%	0.52%
21223	Baltimore	$1,562	63.1%	5.85%	1.11%
20708	Laurel	$1,556	93.0%	9.74%	0.99%
20747	District Heights	$1,552	73.0%	10.91%	0.90%
20634	Great Mills	$1,551	60.1%	7.45%	0.80%
20715	Bowie	$1,549	95.2%	11.99%	0.66%
20603	Waldorf	$1,548	53.7%	9.10%	0.60%
21050	Forest Hill	$1,548	77.2%	8.84%	0.49%
21856	Quantico	$1,547	109.6%	3.13%	1.79%
21044	Columbia	$1,546	58.9%	6.04%	0.46%
20695	White Plains	$1,540	56.0%	8.29%	0.62%
21043	Ellicott City	$1,533	55.7%	5.79%	0.44%
21635	Galena	$1,531	27.0%	3.29%	1.41%
21661	Rock Hall	$1,530	4.8%	1.86%	0.98%
21286	Towson	$1,529	38.2%	4.64%	0.64%
20657	Lusby	$1,526	58.7%	7.82%	0.55%
20659	Mechanicsville	$1,524	77.7%	8.14%	0.31%
21822	Eden	$1,520	65.5%	2.99%	0.30%
21015	Bel Air	$1,518	74.5%	7.87%	0.49%
21771	Mount Airy	$1,515	52.2%	5.44%	0.49%
21634	Fishing Creek	$1,514	3.8%	1.78%	N/A
20745	Oxon Hill	$1,509	75.0%	9.70%	1.23%
21919	Earleville	$1,505	33.8%	3.02%	1.01%
21718	Burkittsville	$1,503	4.7%	1.96%	1.96%
20722	Brentwood	$1,501	17.4%	3.86%	1.23%
21607	Barclay	$1,500	41.5%	5.49%	1.10%
21230	Baltimore	$1,500	55.6%	3.75%	0.80%
20743	Capitol Heights	$1,499	76.7%	8.98%	1.42%
21162	White Marsh	$1,499	60.8%	4.95%	1.20%
20785	Hyattsville	$1,495	63.1%	7.97%	1.18%
21625	Cordova	$1,492	53.5%	2.59%	0.17%
20707	Laurel	$1,491	69.6%	6.36%	0.64%
20853	Rockville	$1,488	47.4%	7.00%	0.48%
20904	Silver Spring	$1,488	68.7%	7.45%	0.59%
21801	Salisbury	$1,488	31.7%	3.81%	1.03%
21114	Crofton	$1,487	78.3%	8.54%	0.52%
21769	Middletown	$1,484	65.3%	5.62%	0.40%
20706	Lanham	$1,483	84.5%	11.28%	0.95%
21798	Woodsboro	$1,480	36.5%	5.05%	0.52%
21814	Bivalve	$1,478	115.3%	4.35%	0.87%
21773	Myersville	$1,477	27.9%	4.56%	0.47%
20612	Benedict	$1,476	74.2%	5.71%	N/A
21207	Gwynn Oak	$1,474	76.0%	9.29%	1.04%
21619	Chester	$1,473	38.7%	4.51%	0.69%
21872	Whaleyville	$1,470	13.7%	2.44%	N/A
20619	California	$1,464	111.4%	9.65%	0.47%
20751	Deale	$1,463	39.7%	3.37%	0.52%
21668	Sudlersville	$1,462	50.5%	3.00%	1.20%
20616	Bryans Road	$1,461	92.1%	9.08%	0.83%
20872	Damascus	$1,460	141.7%	5.41%	0.44%
21865	Tyaskin	$1,457	N/A	N/A	1.54%
21034	Darlington	$1,455	55.9%	6.10%	1.18%
20723	Laurel	$1,444	51.3%	6.43%	0.56%
21758	Knoxville	$1,444	71.2%	6.18%	0.69%
21160	Whiteford	$1,442	154.2%	3.88%	1.34%
21791	Union Bridge	$1,440	54.3%	3.84%	0.72%
20764	Shady Side	$1,440	42.7%	5.70%	0.96%
21733	Fairplay	$1,439	32.5%	3.89%	0.90%
20602	Waldorf	$1,437	60.9%	7.97%	0.78%
21863	Snow Hill	$1,437	10.7%	2.18%	0.65%
21229	Baltimore	$1,436	42.4%	6.07%	0.87%
21133	Randallstown	$1,435	77.6%	10.28%	0.89%
20625	Cobb Island	$1,434	46.5%	6.56%	0.52%
21228	Catonsville	$1,432	54.8%	5.28%	0.72%
20705	Beltsville	$1,431	57.5%	6.81%	0.84%
20714	North Beach	$1,428	140.4%	8.83%	0.75%
21784	Sykesville	$1,427	52.2%	5.23%	0.53%
21631	East New Market	$1,425	561.6%	32.64%	1.17%
21213	Baltimore	$1,424	46.6%	7.24%	1.21%
21821	Deal Island	$1,423	59.2%	2.41%	0.54%
21776	New Windsor	$1,423	58.8%	4.63%	0.88%
21144	Severn	$1,422	42.9%	6.03%	0.62%
21122	Pasadena	$1,421	44.6%	4.52%	0.77%
20770	Greenbelt	$1,420	62.1%	11.11%	0.49%
21756	Keedysville	$1,417	21.3%	4.13%	0.98%
20658	Marbury	$1,417	58.6%	9.41%	0.35%
21610	Betterton	$1,414	24.4%	1.80%	2.99%
20640	Indian Head	$1,414	91.9%	10.35%	0.77%
20782	Hyattsville	$1,414	45.6%	5.06%	0.58%
21779	Rohrersville	$1,410	20.1%	2.79%	N/A
21211	Baltimore	$1,409	13.0%	3.44%	0.34%
20710	Bladensburg	$1,408	23.7%	6.58%	1.12%
20876	Germantown	$1,405	45.9%	6.71%	0.80%
21102	Manchester	$1,403	77.5%	5.94%	0.68%
20784	Hyattsville	$1,401	62.9%	8.18%	1.04%
20740	College Park	$1,401	138.5%	15.95%	0.83%
21755	Jefferson	$1,400	35.8%	4.30%	0.39%
21550	Oakland	$1,399	25.9%	2.28%	0.70%
21757	Keymar	$1,398	35.7%	5.52%	0.85%
20737	Riverdale	$1,396	70.2%	8.23%	1.18%
21244	Windsor Mill	$1,394	71.5%	7.95%	0.95%
20871	Clarksburg	$1,391	39.2%	4.56%	0.42%
21014	Bel Air	$1,386	69.6%	7.32%	0.50%
21158	Westminster	$1,385	82.9%	8.44%	0.59%
21762	Libertytown	$1,385	399.2%	4.48%	1.49%
20733	Churchton	$1,384	43.9%	5.74%	0.92%
21838	Marion Station	$1,384	9.3%	1.65%	0.24%
21904	Port Deposit	$1,383	59.0%	4.39%	1.30%
20783	Hyattsville	$1,382	49.6%	6.83%	0.73%
21917	Colora	$1,375	48.0%	4.66%	0.73%
20901	Silver Spring	$1,375	50.7%	5.46%	0.46%
21224	Baltimore	$1,373	52.4%	3.60%	0.78%
21830	Hebron	$1,372	91.9%	3.79%	1.11%
21046	Columbia	$1,369	63.1%	6.12%	0.21%
21157	Westminster	$1,361	87.7%	7.32%	0.64%
21864	Stockton	$1,356	104.0%	3.50%	2.80%
21704	Frederick	$1,356	44.5%	4.75%	0.34%
21636	Goldsboro	$1,355	20.2%	3.73%	0.83%
20866	Burtonsville	$1,352	46.7%	6.40%	0.55%
21239	Baltimore	$1,351	56.2%	7.27%	0.68%
21841	Newark	$1,351	23.6%	1.57%	1.18%
21613	Cambridge	$1,350	128.8%	10.76%	0.97%
20874	Germantown	$1,349	57.2%	6.63%	0.67%
21777	Point Of Rocks	$1,346	53.1%	8.48%	N/A
21074	Hampstead	$1,346	123.1%	13.42%	0.49%
21090	Linthicum Heights	$1,345	52.8%	4.23%	0.52%
21871	Westover	$1,343	20.6%	3.38%	0.42%
21640	Henderson	$1,341	16.4%	4.35%	1.09%
21085	Joppa	$1,341	74.1%	8.64%	0.75%
21829	Girdletree	$1,340	151.7%	2.38%	N/A
21205	Baltimore	$1,338	59.2%	5.76%	1.06%
21206	Baltimore	$1,338	69.6%	8.20%	0.83%
21778	Rocky Ridge	$1,331	110.2%	6.19%	0.88%
21780	Sabillasville	$1,327	21.8%	3.69%	1.72%
20903	Silver Spring	$1,327	84.4%	5.98%	0.68%
21921	Elkton	$1,325	56.6%	4.81%	1.14%
21655	Preston	$1,324	44.0%	2.39%	0.99%
21651	Millington	$1,321	27.0%	4.26%	0.91%
21078	Havre De Grace	$1,321	77.5%	7.46%	0.89%
20763	Savage	$1,316	17.9%	4.69%	0.94%
21901	North East	$1,311	60.1%	4.66%	1.15%
21770	Monrovia	$1,310	30.8%	3.06%	0.31%
21837	Mardela Springs	$1,307	56.8%	3.59%	0.98%
21629	Denton	$1,301	54.2%	7.16%	0.96%
21052	Fort Howard	$1,300	42.2%	3.28%	N/A
20877	Gaithersburg	$1,300	68.3%	8.58%	0.71%
21045	Columbia	$1,299	63.9%	6.75%	0.40%
21911	Rising Sun	$1,295	69.8%	4.00%	1.21%
21849	Parsonsburg	$1,294	12.6%	2.24%	0.87%
20902	Silver Spring	$1,290	51.8%	5.36%	0.64%
21219	Sparrows Point	$1,289	44.9%	4.92%	0.89%
21520	Accident	$1,289	8.4%	1.76%	0.71%
21713	Boonsboro	$1,288	51.8%	4.55%	0.61%
21851	Pocomoke City	$1,287	39.2%	2.55%	0.64%
20879	Gaithersburg	$1,284	87.5%	8.07%	0.82%
20906	Silver Spring	$1,284	61.1%	6.56%	0.70%
21869	Vienna	$1,282	35.1%	4.48%	2.24%
21853	Princess Anne	$1,281	35.3%	2.40%	0.58%
21113	Odenton	$1,280	36.8%	5.88%	0.55%
21226	Curtis Bay	$1,280	43.4%	5.00%	0.95%
21649	Marydel	$1,272	2.4%	2.27%	0.45%
21660	Ridgely	$1,272	43.8%	5.57%	2.94%
21861	Sharptown	$1,271	26.7%	6.60%	3.30%
21918	Conowingo	$1,270	75.6%	3.76%	1.38%
21659	Rhodesdale	$1,270	55.7%	5.67%	0.35%
21225	Brooklyn	$1,269	38.7%	4.10%	1.02%
21774	New Market	$1,268	55.0%	4.88%	0.45%
21672	Toddville	$1,267	3.8%	4.84%	N/A
21009	Abingdon	$1,258	71.9%	9.17%	0.75%
21237	Rosedale	$1,257	65.8%	6.61%	1.00%
21701	Frederick	$1,254	49.6%	4.69%	0.61%
21903	Perryville	$1,250	48.5%	5.23%	0.85%
21628	Crumpton	$1,250	N/A	N/A	N/A
21727	Emmitsburg	$1,248	69.8%	6.14%	0.19%
21804	Salisbury	$1,243	59.6%	3.85%	0.75%
21788	Thurmont	$1,242	60.4%	5.65%	0.59%
21075	Elkridge	$1,241	54.5%	4.92%	0.42%
21793	Walkersville	$1,239	39.8%	4.52%	0.30%
21782	Sharpsburg	$1,237	35.0%	3.87%	0.79%
21227	Halethorpe	$1,237	32.6%	4.22%	0.78%
21719	Cascade	$1,236	37.7%	3.09%	0.56%
21913	Cecilton	$1,233	86.7%	1.95%	1.30%
21530	Flintstone	$1,226	30.0%	1.85%	0.69%
21875	Delmar	$1,220	49.7%	3.55%	0.72%
21531	Friendsville	$1,219	49.5%	2.93%	1.46%
21702	Frederick	$1,218	66.9%	5.45%	0.61%
21914	Charlestown	$1,217	33.0%	4.31%	1.72%
21001	Aberdeen	$1,216	82.2%	9.52%	0.90%
21077	Harmans	$1,216	N/A	N/A	N/A
21236	Nottingham	$1,215	74.9%	5.21%	0.48%
20724	Laurel	$1,209	39.6%	5.11%	0.50%
21220	Middle River	$1,208	40.3%	3.99%	0.94%
21643	Hurlock	$1,207	79.4%	3.57%	0.58%
21742	Hagerstown	$1,198	52.2%	4.43%	0.62%
21783	Smithsburg	$1,196	33.2%	4.46%	0.32%
21722	Clear Spring	$1,193	35.0%	3.70%	1.21%
21076	Hanover	$1,192	44.4%	4.59%	0.46%
20886	Montgomery Village	$1,188	51.0%	5.99%	0.86%
21536	Grantsville	$1,188	58.5%	2.06%	1.27%
21061	Glen Burnie	$1,184	38.8%	4.39%	0.77%
21639	Greensboro	$1,181	26.5%	3.10%	0.62%
21221	Essex	$1,180	44.6%	4.33%	1.03%
21711	Big Pool	$1,174	11.3%	1.14%	0.38%
21632	Federalsburg	$1,172	25.5%	2.90%	1.14%
20794	Jessup	$1,170	101.4%	5.72%	1.11%
20851	Rockville	$1,164	46.0%	4.17%	0.84%
21817	Crisfield	$1,163	15.8%	2.81%	0.73%
21040	Edgewood	$1,156	88.0%	8.87%	1.22%
21017	Belcamp	$1,154	81.6%	7.15%	0.64%
21787	Taneytown	$1,140	71.4%	6.36%	0.62%
21060	Glen Burnie	$1,137	51.5%	4.70%	0.86%
21874	Willards	$1,131	28.9%	3.95%	0.75%
21234	Parkville	$1,119	49.9%	6.30%	0.56%
21664	Secretary	$1,116	1.0%	1.41%	0.70%
21795	Williamsport	$1,114	37.3%	4.58%	0.70%
21555	Oldtown	$1,112	4.6%	0.95%	0.76%
21750	Hancock	$1,110	27.3%	2.61%	0.76%
21826	Fruitland	$1,101	38.1%	4.61%	0.35%
21850	Pittsville	$1,098	19.5%	2.74%	0.41%
21703	Frederick	$1,083	50.4%	5.25%	0.70%
21734	Funkstown	$1,081	11.1%	2.20%	N/A
21716	Brunswick	$1,069	35.9%	3.82%	0.51%
21222	Dundalk	$1,067	55.5%	4.23%	0.92%
21532	Frostburg	$1,052	29.4%	2.99%	0.72%
21538	Kitzmiller	$1,050	6.4%	2.42%	1.61%
21523	Bloomington	$1,050	70.6%	3.66%	1.22%
21539	Lonaconing	$1,049	10.3%	1.95%	2.13%
21740	Hagerstown	$1,043	49.3%	4.88%	0.61%
21766	Little Orleans	$1,038	5.2%	1.61%	0.54%
21545	Mount Savage	$1,036	20.1%	1.57%	0.59%
21529	Ellerslie	$1,027	34.7%	4.98%	0.45%
21502	Cumberland	$1,009	39.3%	2.99%	0.88%
21562	Westernport	$1,003	56.4%	2.59%	1.29%
21557	Rawlings	$999	13.3%	3.00%	1.31%
21524	Corriganville	$963	8.2%	1.52%	1.52%
21521	Barton	$959	28.4%	2.15%	0.92%
21767	Maugansville	$939	29.0%	2.75%	0.34%
21835	Linkwood	$898	1470.8%	73.86%	3.41%

Maryland Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How Maryland compares to other states

Related Data for Maryland

Natural Disaster Risk

FEMA disaster & NOAA storm data for Maryland

Wildfire Risk Data

USDA wildfire risk assessments for Maryland

Rental Market Data

HUD fair market rents in Maryland

Cost of Living

BEA regional price parities across metros

Property Taxes

County property tax rates in Maryland

Climate Data

NOAA climate normals for Maryland

Frequently Asked Questions

What is the average homeowners insurance cost in Maryland? ▼

The average homeowners insurance premium in Maryland is $1,627 per year, based on U.S. Treasury FIO data covering 422 ZIP codes. This is 8% below the national average of $1,776.

How have insurance premiums changed in Maryland? ▼

Maryland homeowners insurance premiums changed by +9.7% between 2018 and 2022. The average loss ratio is 62.0%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in Maryland? ▼

The most expensive ZIP code for homeowners insurance in Maryland is 21056, with an average premium of $5,794/yr. The most affordable is 21835 at $898/yr.

What is the nonrenewal rate for Maryland homeowners insurance? ▼

The average nonrenewal rate in Maryland is 0.80%. This rate has changed by +42.0% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 21835 has the highest nonrenewal rate in the state at 3.41%.

What is a loss ratio and what does Maryland's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. Maryland's average loss ratio is 62.0%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in Maryland? ▼

The average claim frequency in Maryland is 6.30%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $16,411. Higher claim frequency and severity typically correlate with higher premiums.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

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Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainInsure Editorial

Reviewed byPlaininsure Editorial, Homeowners Insurance Transparency Editorial Team · June 4, 2026

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