Home Insurance in Silverdale, Pennsylvania
The median home value in Silverdale is $360,300, 19% lower than the Bucks County median.
The typical home in Silverdale was built around 1982. About 37% of homes were built before 1960, about 7 points above Bucks County's 30%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Silverdale, the housing stock is 97% single-family homes and 2% apartments in buildings with 5+ units.
About 72% of owner-occupied homes in Silverdale have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 88% of occupied homes in Silverdale are owner-occupied.
Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Silverdale, 50% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Silverdale? FEMA's National Risk Index points to winter weather (Very High) in Bucks County and 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.
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 | $360,300 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 88% |
| 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)