Home Insurance in Bendersville, Pennsylvania
Homes in Bendersville carry a median value of $205,000 - 24% lower than the Adams County median.
The typical home in Bendersville was built around 1951. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 54% of homes were built before 1960, about 24 points above Adams County's 29%.
In Bendersville, the housing stock is 84% single-family homes and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
58% of owner-occupied homes in Bendersville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bendersville has an owner-occupancy rate of 73% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 68% of homes in Bendersville are primarily heated with natural gas.
Adams County had 340 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Adams County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $205,000 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Adams County | 340 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Nearby towns
- Biglerville
- Arendtsville
- York Springs
- Mount Holly Springs
- Gettysburg
- New Oxford
- Bonneauville
- Franklintown
Sources
Data last updated: 2026-09-29
- 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)