ZIP 21077 Insurance Data

Data Snapshot: ZIP 21077 (Harmans, MD)

ZIP 21077 (Harmans, MD) shows an average homeowners insurance premium of $1,216 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 131 reported policies. That is 32% below the national average of $1,776 per year, placing this ZIP in the 24th percentile nationally. Compared to the Maryland state average of $1,627, this ZIP runs 25% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

Across 5 years (2018–2022), premiums in ZIP 21077 have risen by 9.0%, ranging from $1,115 to $1,216 with a five-year average of $1,167 — an annualized rate of +2.2% per year. FIO data aggregates voluntary reporting from the 40 largest homeowners insurers, covering roughly 80% of the U.S. market, so figures represent market averages rather than individual policy quotes; your own premium will vary with dwelling value, deductible, coverage limits, construction type, and insurer-specific underwriting. This page is educational research only and is not insurance advice — homeowners should request quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.