Home Insurance in Telford, Pennsylvania
With a median home value of $320,300, Telford is 28% lower than the Bucks County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Telford was built around 1966. About 44% of homes were built before 1960, about 14 points above Bucks County's 30%.
Housing in Telford breaks down to 65% single-family homes and 23% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 81% of owner-occupied homes in Telford have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Telford has an owner-occupancy rate of 62% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
In Telford, 46% of homes are primarily heated with electricity. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Telford? 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 | $320,300 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 81% |
| 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)