Home Insurance in Biglerville, Pennsylvania
The median home value in Biglerville is $222,000, 17% lower than the Adams County median.
The typical home in Biglerville was built around 1963. About 46% of homes were built before 1960, about 17 points above Adams County's 29%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Biglerville breaks down to 62% single-family homes and 21% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
68% of owner-occupied homes in Biglerville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 61% of occupied homes in Biglerville are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
62% of homes in Biglerville are primarily heated with natural gas.
What's the biggest home insurance risk near Biglerville? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Adams County and Adams County had 340 active NFIP flood policies as of September 2026. See the full Adams County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Pennsylvania carries a statewide average premium of $1,217 per year.
Key figures
| Median home value | $222,000 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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
- Arendtsville
- Bendersville
- Gettysburg
- York Springs
- Bonneauville
- New Oxford
- Fairfield
- Mount Holly Springs
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)