Home Insurance in Fairfield, Pennsylvania
Homes in Fairfield carry a median value of $238,200 - 11% lower than the Adams County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Fairfield was built around 1947. About 62% of homes were built before 1960, about 32 points above Adams County's 29%.
Housing in Fairfield breaks down to 82% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Fairfield, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 71% of occupied homes in Fairfield are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 61% of homes in Fairfield 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.
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 | $238,200 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)