Home Insurance in Gettysburg, Pennsylvania
With a median home value of $241,500, Gettysburg is 10% lower than the Adams County median.
The typical home in Gettysburg was built around 1942. About 70% of homes were built before 1960, about 40 points above Adams County's 29%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Gettysburg breaks down to 62% single-family homes and 22% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 69% of owner-occupied homes in Gettysburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Gettysburg has an owner-occupancy rate of 47% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Gettysburg - 65% - are primarily heated with natural gas. Homes heated with propane 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.
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 | $241,500 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 47% |
| 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)