Home Insurance in Littlestown, Pennsylvania
With a median home value of $254,700, Littlestown is 5% 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 Littlestown was built around 1966. About 47% of homes were built before 1960, about 18 points above Adams County's 29%.
Housing in Littlestown breaks down to 79% single-family homes and 11% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Littlestown, about 78% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Littlestown has an owner-occupancy rate of 72% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in Littlestown - 59% - are primarily heated with natural gas.
What's the biggest home insurance risk near Littlestown? 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.
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 | $254,700 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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)