Home Insurance in Adams County, Pennsylvania
The median home value in Adams County is $268,500, 6% higher than the Pennsylvania median.
The typical home in Adams County was built around 1980. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 29% of homes were built before 1960, about 16 points below Pennsylvania's 45%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Adams County is 84% single-family homes, 5% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
About 62% of owner-occupied homes in Adams County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Adams County are owner-occupied.
32% of homes in Adams County are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Adams County's top hazards are hurricane (Relatively Moderate), inland flooding (Relatively Moderate) and strong wind (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Adams County has 340 active NFIP flood policies on file.
The statewide average premium for a standard HO-3 homeowners policy in Pennsylvania is $1,217 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $268,500 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Inland Flooding (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 340 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
- Abbottstown
- Arendtsville
- Bendersville
- Biglerville
- Bonneauville
- Carroll Valley
- East Berlin
- Fairfield
- Gettysburg
- Littlestown
- McSherrystown
- New Oxford
- York Springs
Sources
- 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)