Home Insurance in Bucks County, Pennsylvania
With a median home value of $445,700, Bucks County is 75% higher than the Pennsylvania median.
The typical home in Bucks County was built around 1975. About 30% of homes were built before 1960, about 15 points below Pennsylvania's 45%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Bucks County, the housing stock is 80% single-family homes, 14% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 64% of owner-occupied homes in Bucks County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Bucks County are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 38% of homes in Bucks County are primarily heated with natural gas.
FEMA's National Risk Index lists winter weather (Very High), inland flooding (Relatively High) and strong wind (Relatively High) as the leading hazards for Bucks County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Bucks County has 3,143 active NFIP flood policies on file.
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 | $445,700 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Inland Flooding (Relatively High), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 3,143 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
- Bristol
- Chalfont
- Doylestown
- Hulmeville
- Ivyland
- Langhorne
- Langhorne Manor
- Morrisville
- New Britain
- New Hope
- Newtown
- Penndel
- Perkasie
- Quakertown
- Richlandtown
- Riegelsville
- Sellersville
- Silverdale
- Telford
- Tullytown
- Yardley
Smaller communities
-
Dublin
- Median home value: $395,800
- Median year built: 1976
- Owner-occupied share: 64%
-
Trumbauersville
- Median home value: $345,100
- Median year built: 1964
- Owner-occupied share: 72%
Sources
- 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)