Home Insurance in Bonneauville, Pennsylvania
The median home value in Bonneauville is $221,800, 17% lower than the Adams County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bonneauville was built around 1982. About 21% of homes were built before 1960, about 9 points below Adams County's 29%.
The housing stock in Bonneauville is 73% single-family homes, 9% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
69% of owner-occupied homes in Bonneauville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 62% of occupied homes in Bonneauville are owner-occupied.
In Bonneauville, 76% of homes 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.
FEMA rates Adams County's overall risk as Relatively Low, led by hurricane (Relatively Moderate). 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.
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 | $221,800 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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
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)