Maryland Home Insurance at a Glance
For the same house, home insurance in Maryland averaged $3,146 a year ($262 a month) across the 5 insurers we compared, 1.5% above the average of the 50 states and D.C. That’s for a 2,000 sq ft wood-frame house with a composition roof, built in 1997 and insured for $300,000 with a $1,000 deductible.
For the same home, prices among the 5 insurers we compared ranged from $129 to $544 a month, a $415-a-month gap for identical coverage. Travelers priced far above the others; the other 4 ranged from $129 to $337. These are sample prices for one example home, not quotes or offers.
- $300K dwelling
- $1,000 deductible
- $300K liability
- Built 1997
- Composition roof
- 2,000 sq ft wood-frame house
- See the homes we priced
Rates as of Sept. 30, 2026 · Page updated Oct. 27, 2026
Maryland home insurance: key numbers
- Home
- $3,146/yr $262/mo
- Home without Travelers
- $2,299/yr $192/mo
- Renters
- $296/yr $25/mo
- Condo
- $538/yr $45/mo
How much is homeowners insurance in Maryland?
Homeowners insurance in Maryland averages $262 a month for the house we priced, with rates as of Sept. 30, 2026. The 5 major insurers we compared are USAA (military families only), State Farm, Erie, Allstate and Travelers, and each one priced our sample home in all 239 Maryland ZIP codes in our data, which span 23 counties and Baltimore City. For this house, Maryland is the 22nd most expensive of the 50 states and D.C.
Our figures are for a $300,000 dwelling; insuring a larger or costlier house for more usually costs more.
For the same insurers and ZIP codes, the Maryland average fell 3.9% since Nov. 2025, from $3,275 a year ($273 a month) on Nov. 30, 2025, to $3,146 ($262) on Sept. 30, 2026, as Erie’s rose 16.2%, Travelers’ fell 12.4% and Allstate’s didn’t change.
Homeowners insurance averages by insurer in Maryland for our sample home (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| USAA (military families only) | $129 | $1,548 |
| State Farm | $135 | $1,618 |
| Erie | $165 | $1,983 |
| Allstate | $337 | $4,049 |
| Travelers | $544 | $6,533 |
USAA (military families only) averaged $129 a month ($1,548 a year), State Farm $135 ($1,618), Erie $165 ($1,983), Allstate $337 ($4,049) and Travelers $544 ($6,533) for our sample home.
Same sample home: each insurer’s average yearly price in the same Maryland ZIP codes, Nov. 30, 2025 and Sept. 30, 2026
| Insurer | Nov. 30, 2025 (per year) | Sept. 30, 2026 (per year) | Change |
|---|---|---|---|
| Erie | $1,706 | $1,983 | +16.2% |
| Allstate | $4,049 | $4,049 | No change |
| State Farm | $1,618 | $1,618 | No change |
| USAA (military families only) | $1,548 | $1,548 | No change |
| Travelers | $7,453 | $6,533 | −12.4% |
All 5 insurers in the table priced the same 239 Maryland ZIP codes on both dates.
By ZIP code: each insurer’s yearly price for the same house changed with the Maryland address:
- USAA (military families only) ran from $1,204 to $3,787 a year by ZIP code and priced all 239 Maryland ZIP codes in our data.
- State Farm ran from $1,376 to $2,076 a year by ZIP code and priced all 239 Maryland ZIP codes in our data.
- Erie ran from $1,418 to $3,091 a year by ZIP code and priced all 239 Maryland ZIP codes in our data.
- Allstate ran from $3,484 to $4,810 a year by ZIP code and priced all 239 Maryland ZIP codes in our data.
- Travelers ran from $5,152 to $11,317 a year by ZIP code and priced all 239 Maryland ZIP codes in our data.
Why one insurer stands out: Travelers’ average for our sample home, $544 a month, is about 2.8 times the other 4 insurers’ average. It stays in our figures. Without it, the Maryland average would be $192 a month ($2,299 a year), 25.8% below the average of the 50 states and D.C.
Same sample home with all 5 insurers and without Travelers (rates as of Sept. 30, 2026)
| Place | Per month | Per year | Maryland vs. this place |
|---|---|---|---|
| Maryland, all 5 insurers | $262 | $3,146 | Baseline |
| Maryland, without Travelers | $192 | $2,299 | +36.8% |
| Average of the 50 states and D.C. | $258 | $3,101 | +1.5% |
The 50-states-and-D.C. figure includes every insurer we priced in each state.
Who has the cheapest homeowners insurance in Maryland?
State Farm had the lowest home average for our sample home of the insurers anyone can buy from, $135 a month ($1,618 a year), 18.4% below Erie’s $1,983 a year, the next of those insurers. It may not be the lowest for your house, so compare a few quotes.
What changes your price: where the house sits, its value, age and roof, your deductibles, claims and credit, and whether you add a car. In Maryland, ZIP code averages for this house ran from $217 a month in Bethesda to $404 in Ocean City, while insurers’ statewide averages ran from $129 to $544.
Your ZIP code matters
Where is home insurance cheapest in Maryland? Costs by city
For the same house, Silver Spring has the lowest average of the cities in the table with at least 5 ZIP codes, $235 a month, and Baltimore the highest, $273, 4.1% above the state average. 9 more cities have only 3 or 4 ZIP codes in our data and are marked as small samples.
Same sample home: average home insurance prices in 12 Maryland cities (rates as of Sept. 30, 2026)
| City | Per month | Per year | vs. state |
|---|---|---|---|
| Bethesda 3 ZIP codes, small sample | $220 | $2,634 | −16.3% |
| Rockville 4 ZIP codes, small sample | $231 | $2,771 | −11.9% |
| Silver Spring 7 ZIP codes | $235 | $2,822 | −10.3% |
| Columbia 3 ZIP codes, small sample | $238 | $2,860 | −9.1% |
| Gaithersburg 4 ZIP codes, small sample | $247 | $2,964 | −5.8% |
| Frederick 4 ZIP codes, small sample | $251 | $3,010 | −4.3% |
| Laurel 4 ZIP codes, small sample | $252 | $3,019 | −4.0% |
| Annapolis 3 ZIP codes, small sample | $257 | $3,079 | −2.1% |
| Hyattsville 5 ZIP codes | $269 | $3,222 | +2.4% |
| Waldorf 3 ZIP codes, small sample | $271 | $3,246 | +3.2% |
| Bowie 4 ZIP codes, small sample | $272 | $3,259 | +3.6% |
| Baltimore 20 ZIP codes | $273 | $3,276 | +4.1% |
| Maryland 239 ZIP codes | $262 | $3,146 | Baseline |
Each city covers the ZIP codes in our data with that city as their main mailing address; small sample means fewer than 5 ZIP codes.
Lowest vs. highest ZIP code for our sample home (rates as of Sept. 30, 2026)
Lowest
20814
Bethesda (Montgomery County)
$217/mo
$2,608 a year
Highest
21842
Ocean City (Worcester County)
$404/mo
$4,852 a year
Of the 239 Maryland ZIP codes we priced, Ocean City’s 21842 had the highest average for our sample home, about twice that of the lowest, 20814 in Bethesda.
The five highest-priced ZIP codes are 21842 in Ocean City ($404 a month), 21863 in Snow Hill ($347 a month), 21811 in Berlin ($341 a month), 21851 in Pocomoke City ($326 a month) and 20678 in Prince Frederick ($319 a month).
The five lowest-priced ZIP codes are 20814 in Bethesda ($217 a month), 20816 in Bethesda ($220 a month), 20817 in Bethesda ($221 a month), 20901 in Silver Spring ($223 a month) and 20815 in Chevy Chase ($224 a month).
Same house, different state: how does Maryland compare?
Of Maryland’s 5 neighbors, 1 has a higher average for the identical house and 4 a lower one: Maryland’s $262 a month compares with $136 in Delaware and $317 in Virginia.
Same sample home: average home insurance prices in Maryland, neighboring states and the 50 states and D.C. (rates as of Sept. 30, 2026)
| Place | Per month | Per year | Maryland vs. this place |
|---|---|---|---|
| Maryland | $262 | $3,146 | Baseline |
| Delaware | $136 | $1,633 | +92.7% |
| Washington, D.C. | $165 | $1,983 | +58.6% |
| West Virginia | $183 | $2,192 | +43.5% |
| Pennsylvania | $224 | $2,685 | +17.2% |
| Virginia | $317 | $3,801 | −17.2% |
| Average of the 50 states and D.C. | $258 | $3,101 | +1.5% |
Same sample house in every state; each figure averages every insurer we priced there, so one high-priced insurer can lift a state’s average.
Of the other 49 states and D.C., 29 have a lower average for this house than Maryland and 21 a higher one.
Compare all states: home insurance costs for the same house in all 50 states and D.C.
What does a Maryland homeowners policy cover?
A standard homeowners policy pays to repair or rebuild after covered damage such as fire, lightning, wind and hail, theft and some water damage from burst pipes; flood and earthquake damage need separate coverage. All six coverages below are inside the $3,146-a-year Maryland average for our sample home.
- Dwelling ($300,000): the house itself, from the foundation to the roof.
- Other structures ($30,000): a detached garage, carport, fence or shed.
- Personal property ($150,000): furniture, clothes and electronics.
- Loss of use ($30,000): a rental and other extra costs while repairs keep you out.
- Personal liability ($300,000): legal defense and damages if you’re responsible for someone’s injury or property damage.
- Medical payments ($5,000): smaller medical bills for a guest hurt at your home.
Say a storm damages the roof and the repair costs $15,000. With the $1,000 deductible we priced, the policy would pay up to $14,000. With a 2% wind and hail deductible on the same $300,000 house, you’d pay the first $6,000 instead, and the policy up to $9,000.
Is $200 a month a lot for home insurance in Maryland?
It’s less than our sample home costs in Maryland: $262 a month, the 22nd most expensive of the 50 states and D.C. 3 of the 5 insurers we compared averaged under $200 for the same house: USAA (military families only) ($129), State Farm ($135) and Erie ($165). If a quote for your home is near $200, compare its dwelling limit and deductibles with ours ($300,000 and $1,000) before you decide.
Why your Maryland quote may differ from these prices
Use our one-house figures as a starting point when you compare home insurance quotes for yours.
Your roof: Our sample house has a composition roof, and we priced it without a roof age. Insurers often charge more for older roofs, so ask how your roof’s age and material change your quote.
Your claims and credit: a recent claim, or weaker credit where an insurer uses it, can push a Maryland quote above the $262 a month our claim-free, good-credit owner averages.
Your deductibles: our house has one $1,000 deductible for covered losses other than a hurricane. If your policy has a separate percentage deductible for wind and hail, your premium and your out-of-pocket cost after a storm will both differ from ours.
What is the 80% rule in homeowners insurance?
A consumer guide from the National Association of Insurance Commissioners, the group of state insurance regulators, explains that many policies reduce a partial-loss payment if you insure for less than 80% of your home’s replacement cost, the cost to rebuild it. For our $300,000 sample house, that’s at least $240,000, so check your limit against a current rebuilding cost, not the home’s market value.
What drives home insurance prices in Maryland?
For our sample house, Maryland is the 22nd most expensive of the 50 states and D.C. Our figures don’t separate causes; these official records show what Maryland homes face.
Hurricane Isabel’s flooding in September 2003 caused about $116 million in damage at the U.S. Naval Academy in Annapolis, National Weather Service storm data show.
How do hurricane and wind deductibles work in Maryland?
Your deductible is the amount you pay out of pocket on each claim before your insurer pays. The house we priced has a $1,000 deductible for covered losses other than a hurricane, including wind and hail. Our sample home request also includes a 2% hurricane deductible, a setting we use in every state; real policies near the coast may carry a larger hurricane deductible, so ask for yours.
Some Maryland policies carry a special deductible for wind, hail, hurricanes or other storms, set in dollars or as a percentage of dwelling coverage, and Maryland law generally caps a percentage hurricane deductible at 5% of the coverage limit, the Maryland Insurance Administration says.
Your wind and hail deductible in dollars (illustration only)
| Dwelling coverage | 1% | 2% | 5% |
|---|---|---|---|
| $200,000 | $2,000 | $4,000 | $10,000 |
| $300,000 (our sample home) | $3,000 | $6,000 | $15,000 |
| $400,000 | $4,000 | $8,000 | $20,000 |
The table shows deductibles, not premiums. At 2%, the deductible on our sample home’s $300,000 dwelling is $6,000, more than the $3,146 a year that house averages in Maryland.
A higher deductible usually lowers your premium, so weigh the lower price against the bigger bill you’d face after a storm.
How to find cheaper home insurance in Maryland
For our sample home, Maryland insurers’ statewide averages ran from $1,548 to $6,533 a year. These are the levers you control; how much each one moves a quote depends on the insurer and the house, and none of them comes with a promised price.
Compare at least three insurers: even one insurer’s price moves a lot by address: Travelers’ for our sample home ran from $5,152 to $11,317 a year depending on the Maryland ZIP code.
Price two deductibles: ask each insurer for the premium at your current deductible and one step higher, and keep any percentage wind and hail deductible in dollars in mind (2% of $300,000 is $6,000, about 23 months of Maryland’s $262-a-month average premium).
Ask about a tougher roof and safety devices: impact-resistant roofing, smoke detectors, burglar alarms and dead-bolt locks are common discounts to ask about.
Bundle with care: some insurers take roughly 5% to 15% off when you buy home and car insurance together, the Insurance Information Institute says; compare both ways before you decide.
Keep the coverage you need: insuring at least 80% of the rebuilding cost protects you on partial losses, so a lower price that comes from a lower limit can cost you after a large claim.
Guard a clean record: our sample owner has no claims in 10 years, and the $262-a-month Maryland average assumes that clean record; a recent claim can raise a quote.
What if an insurer won’t renew your Maryland home?
Read the notice and your policy’s own cancellation and nonrenewal terms, then start shopping right away. If a notice doesn’t make sense to you, or you need help with a claim, call the Maryland Insurance Administration at 800-492-6116.
If you can’t get coverage from a regular insurer, Maryland’s Joint Insurance Association offers essential property insurance on homes.
In our data, every insurer we compared priced our sample home in all 239 Maryland ZIP codes.
Got a nonrenewal notice?
- Note the date your coverage ends and start shopping now.
- Get quotes from at least three insurers (we compared 5 in Maryland, from $129 to $544 a month for the same house), or ask a licensed agent to compare them for you.
- If insurers turn you down, ask a Maryland-licensed agent about the Maryland Joint Insurance Association.
- If the notice looks wrong, call the Maryland Insurance Administration at 800-492-6116.
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How much is renters insurance in Maryland?
Renters insurance for our sample renter averages $25 a month ($296 a year) in Maryland. For our sample renter, prices among the 5 insurers we compared ranged from $15 to $35 a month, a $20-a-month gap for the same coverage.
Renters insurance averages by insurer in Maryland for our sample renter (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| USAA (military families only) | $15 | $180 |
| Erie | $19 | $231 |
| State Farm | $22 | $264 |
| Allstate | $32 | $381 |
| Travelers | $35 | $425 |
USAA (military families only) averaged $15 a month ($180 a year), Erie $19 ($231), State Farm $22 ($264), Allstate $32 ($381) and Travelers $35 ($425) for our sample renter.
Erie had the lowest renters average for our sample renter of the insurers anyone can buy from, $19 a month ($231 a year), 12.4% below State Farm’s $264 a year, the next of those insurers. Another insurer may be lower for your apartment, so compare quotes.
Maryland’s renters average is the 13th most expensive of the 50 states and D.C., 15.7% above their average of $21 a month ($256 a year).
For the same insurers and ZIP codes, the Maryland renters average fell 12.7% since Nov. 2025, from $28 to $25 a month, as Allstate’s fell 36.7%, Erie’s rose 2.8% and State Farm’s didn’t change.
By ZIP code, the Maryland renters average for our sample renter ran from $21 a month in Bethesda (20814) to $33 in Ocean City (21842).
Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims. Rates as of Sept. 30, 2026, from 1,195 sample prices by 5 insurers across 239 Maryland ZIP codes.
- $40K belongings
- $300K liability
- $1,000 deductible
What does renters insurance cover in a Maryland apartment?
Your landlord’s insurance is for the building; a renters policy is for your belongings and your liability. The policy we priced pays up to $40,000 for belongings after a covered fire, storm or burglary and $300,000 if you’re responsible for someone’s injury or property damage. In Maryland, that package averages $25 a month; flood and earthquake damage need separate coverage.
How we got these renters prices: each insurer’s average across the 239 Maryland ZIP codes in our data. Sample prices, not quotes or offers.
How much is condo insurance in Maryland?
Condo insurance for our sample condo averages $45 a month ($538 a year) in Maryland. For our sample condo, prices among the 4 insurers we compared ranged from $32 to $68 a month, a $36-a-month gap for the same coverage.
Condo insurance averages by insurer in Maryland for our sample condo (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| State Farm | $32 | $384 |
| USAA (military families only) | $36 | $434 |
| Erie | $43 | $516 |
| Allstate | $68 | $816 |
State Farm averaged $32 a month ($384 a year), USAA (military families only) $36 ($434), Erie $43 ($516) and Allstate $68 ($816) for our sample condo.
State Farm had the lowest condo average for our sample condo of the insurers anyone can buy from, $32 a month ($384 a year), 25.5% below Erie’s $516 a year, the next of those insurers. Your unit may price differently, so get a few condo quotes.
Maryland’s condo average is the 16th most expensive of the 50 states and D.C., 11.7% above their average of $40 a month ($481 a year).
For the same insurers and ZIP codes, the Maryland condo average rose 2.8% since Nov. 2025, from $44 to $45 a month, as Erie’s rose 12.6%, Allstate’s didn’t change and State Farm’s didn’t change.
By ZIP code, the Maryland condo average for our sample condo ran from $35 a month in Chevy Chase (20815) to $58 in Capitol Heights (20743).
Our sample condo is a 2,000-square-foot unit in a building built in 2005, with $60,000 of coverage for the unit, $60,000 for belongings, $300,000 liability and a $1,000 deductible. The owner is 40, single, has good credit and no claims in 10 years.
- $60K unit coverage
- $60K belongings
- $1,000 deductible
- Built 2005
Which part of a Maryland condo is yours to insure?
The association’s master policy covers the building, and your condo policy covers what the declaration and master policy leave to you. In our sample policy, $60,000 covers the inside of the unit and $60,000 your belongings, and that package averages $45 a month in Maryland.
What to check with your HOA before you buy condo insurance
- The master policy: ask the association or manager for its certificate of insurance and declarations page.
- Bare walls or more: find out whether it stops at the bare walls or also covers fixtures and finishes; that sets your unit coverage.
- The master deductible: ask how large it is and whether the association can pass part of it to owners after a storm.
- Loss assessment: ask your insurer how much loss assessment coverage your policy includes (it can pay your share if the association bills owners for a covered loss to shared parts of the building).
You may also want to compare: car + home insurance in Maryland
Many Maryland homeowners insure a car too. Some insurers take roughly 5% to 15% off when you buy home and car insurance from them together (Insurance Information Institute), but the same insurer has to write both policies, and buying both from one insurer isn’t always the lower-priced choice, so compare both ways.
See Maryland car insurance rates · How bundling home and auto insurance works
Frequently asked questions about home insurance in Maryland
How much is home insurance in Maryland?
For the house we priced, Maryland averages $3,146 a year ($262 a month) across the 5 insurers we compared and 239 ZIP codes, with rates as of Sept. 30, 2026. By ZIP code, the average runs from $217 a month in Bethesda to $404 in Ocean City, so your address matters.
Which Maryland city has the cheapest home insurance?
Of the Maryland cities in our table with at least 5 ZIP codes, Silver Spring had the lowest average for our sample home, $235 a month, and Baltimore the highest, $273.
How much is insurance on a $400,000 house in Maryland?
We priced a $300,000 dwelling, not $400,000. For that house, Maryland averages $262 a month. A $400,000 house usually costs more to insure, so get quotes for your own rebuild cost, and remember the 80% rule.
Does Maryland home insurance cover wind and hail damage?
Generally, yes, minus your deductible: a standard homeowners policy covers wind and hail damage. Hurricane damage usually has its own percentage deductible: on our $300,000 sample house, 2% is $6,000, or $2,854 more than a year of the Maryland average premium for that house.
Is flood damage covered by home insurance in Maryland?
No. A standard Maryland home or renters policy doesn’t cover flooding. You can buy it through federal flood insurance (NFIP) or a private insurer, and a new NFIP policy usually takes 30 days to start, so don’t wait for a storm warning.
Are Maryland home insurance rates going up in 2026?
For the house we priced, the Maryland average fell 3.9% for the same insurers and ZIP codes between Nov. 30, 2025 and Sept. 30, 2026, to $262 a month. Your own renewal depends on your insurer, your home and your claims.
What does renters insurance cost in Maryland?
Our sample renter, insuring $40,000 of belongings with $300,000 liability, pays an average of $25 a month ($296 a year) in Maryland across the 5 insurers we compared.
What does condo insurance cost in Maryland?
Our sample condo, with $60,000 of unit coverage and $60,000 for belongings, averages $45 a month ($538 a year) in Maryland across the 4 insurers we compared.
Who regulates home insurance in Maryland?
The Maryland Insurance Administration licenses insurers, oversees their rates and forms, and helps consumers with complaints about claims and nonrenewals. Its consumer line is 800-492-6116.
Official resources for Maryland homeowners
- Maryland Insurance Administration Consumer help, complaints and licensed insurers. Consumer line: 800-492-6116.
- Maryland Joint Insurance Association Coverage when regular insurers say no.
- National Association of Insurance Commissioners: homeowners guide Coverage basics and the 80% rule.
- FEMA Flood Map Service Center The official source for FEMA flood maps.
- FloodSmart FEMA’s site for the National Flood Insurance Program.
How we calculated these prices
We priced the same house with 5 major insurers, and the same apartment and condo with 5 and 4, in each of the 239 Maryland ZIP codes in our data, using licensed insurance rate data from Quadrant Information Services, with rates as of Sept. 30, 2026. Each Maryland figure is the average of the ZIP-code averages, and monthly figures are yearly figures divided by 12. These are sample prices for one example home, renter and condo, not quotes or offers.
Full details
The homes we priced
- Home (HO-3, a standard homeowners policy): Our sample home is a 2,000-square-foot, two-story wood-frame house with a composition roof, built in 1997, insured for $300,000 with $150,000 for belongings, $300,000 liability and a $1,000 deductible for covered losses other than a hurricane. Our home price requests also set a 2% hurricane deductible, the same setting in every state. The owner is 40, single, has good credit and no claims in 10 years.
- Renters (HO-4, a renters policy): Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims.
- Condo (HO-6, a condo unit-owner policy): Our sample condo is a 2,000-square-foot unit in a building built in 2005, with $60,000 of coverage for the unit, $60,000 for belongings, $300,000 liability and a $1,000 deductible. Same owner profile as the home.
- All three are in protection class 3 (a fire-protection rating), 1,000 feet from a hydrant and 3 miles from a fire station, with the distance to the coast set at 10 miles in every state’s price requests, so differences between ZIP codes come from how each insurer prices that ZIP code.
How the averages work: for each insurer and ZIP code we used its lowest eligible price, averaged the insurers in each ZIP code, then averaged the ZIP codes, so every ZIP code counts the same. Percentages are worked out before rounding, so they can differ slightly from the rounded dollars shown. The price change compares the same insurers in the same ZIP codes on Nov. 30, 2025, and Sept. 30, 2026.
Which insurers we name: we don’t name a lowest-priced insurer when its lead over the next one is more than 30%, or when it was priced in fewer than 90% of a place’s ZIP codes, and we show the average without any insurer priced at more than twice the others. Each section says which insurer, if any, passed these tests for that line. We also never name an insurer that sells only to members, such as USAA (military families only) or an AAA insurer, and when the two lowest are within 5% of each other we call it a near tie.
Sample: Home: 1,195 sample prices from 5 insurers across 239 ZIP codes in 23 counties and Baltimore City. Renters: 1,195 from 5 insurers. Condo: 956 from 4 insurers. Maryland here means the 239 Maryland ZIP codes in our rate data; cities group them by main post-office city.
Insurer notes: we review every note an insurer attaches to a price before publishing.
- Travelers’ condo prices in 239 ZIP codes are left out: they carry an insurer note we are still reviewing, so they stay out of our averages until we decide.
- Some counted prices carry notes that don’t change the coverage we priced (for example, a note on the covered perils); we keep them.
Comparisons: neighboring-state figures use the same method and rates; the 50-states-and-D.C. figure averages each state’s average and D.C.’s.
Sources for local facts: Maryland Insurance Administration, National Weather Service, National Association of Insurance Commissioners, FEMA, Insurance Information Institute.
Rates as of Sept. 30, 2026; price changes compare prices as of Nov. 30, 2025.
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- About the Author
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Autumn Cafiero Giusti is a licensed life and health insurance broker and award-winning journalist with more than 20 years of experience. She writes extensively about flood, Medicare, home, and life insurance for publications like U.S. News and CBS News.
