Home Insurance in Carroll Valley, Pennsylvania
Homes in Carroll Valley carry a median value of $300,500 - 12% higher 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 Carroll Valley was built around 1993. About 3% of homes were built before 1960, about 26 points below Adams County's 29%.
In Carroll Valley, the housing stock is 96% single-family homes.
In Carroll Valley, about 84% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 95% of occupied homes in Carroll Valley are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Carroll Valley - 66% - 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.
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.
In Pennsylvania, the statewide average premium for a standard HO-3 homeowners policy is $1,217 per year (NAIC, 2023 data).
Key figures
| Median home value | $300,500 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 84% |
| 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)