Homeowners Insurance in College Park, MD

For a home at College Park's median value of $437,900, we estimate about $1,670 a year — +6% versus the Maryland NAIC average of $1,578.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in College Park

Est. premium

$1,670

$139/mo · median home

Median home value

$437,900

Maryland: $419,900

Median year built

1981

Census ACS

Owner-occupied

34.0%

of households

Hazard score

85.1

state ref. 81.3

College Park's estimate reflects its home values (4% higher than the state median) and FEMA's hazard profile for Prince George's County.

Natural hazard risk in College Park

FEMA National Risk Index — Prince George's County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively Moderate	90.4	Comprehensive (car); roof claims (home)
Tornado	Relatively High	95.1	Comprehensive; dwelling
Hurricane	Relatively Moderate	92.2	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively High	94.6	Comprehensive; home needs a separate flood policy
Coastal flooding	Relatively Low	49.4	Comprehensive; home needs a separate flood policy
Strong wind	Relatively High	95.8	Comprehensive; dwelling
Winter weather	Very High	99.1	Collision (icy roads); frozen pipes (home)
Wildfire	Very Low	42.3	Comprehensive; dwelling
Earthquake	Relatively Moderate	93.2	Home needs a separate earthquake policy
Lightning	Very High	98.8	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in College Park

Dwelling value	Wood frame	Brick / masonry
$200,000	$890	$820
$300,000	$1,235	$1,135
$500,000	$1,855	$1,705
$750,000	$2,565	$2,360

Home Insurance Estimator

Estimated annual premium

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Homeowners insurance in Maryland · Car insurance in College Park · Insurance offices near College Park

Frequently asked questions

How much is homeowners insurance in College Park?

For a home at College Park's median value of $437,900, we estimate about $1,670 a year for a standard HO-3 policy with a $1,000 deductible. The Maryland NAIC average is $1,578.

What are the biggest natural hazards in College Park?

FEMA's National Risk Index rates Prince George's County relatively high or very high for tornado, inland (river) flooding, strong wind, winter weather, and lightning.

Does the age of homes in College Park affect insurance?

Yes. The median home in College Park was built in 1981 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for Maryland, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Prince George's County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page