Home Insurance in Langhorne, Pennsylvania
With a median home value of $446,500, Langhorne is close to the Bucks County median.
The median home in Langhorne was built in 1939 or earlier. About 81% of homes were built before 1960, about 52 points above Bucks County's 30%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Langhorne breaks down to 61% single-family homes and 6% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 72% of owner-occupied homes in Langhorne have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Langhorne are owner-occupied.
37% of homes in Langhorne are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Bucks County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. Bucks County had 3,143 active NFIP flood policies as of September 2026. See the full Bucks 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 | $446,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Bucks County | 3,143 |
| 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)