Home Insurance in Yardley, Pennsylvania
Homes in Yardley carry a median value of $480,300 - 8% higher than the Bucks County median.
The typical home in Yardley was built around 1962. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 47% of homes were built before 1960, about 18 points above Bucks County's 30%.
Housing in Yardley breaks down to 63% single-family homes and 23% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Yardley, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Yardley are owner-occupied.
44% of homes in Yardley 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.
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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Pennsylvania carries a statewide average premium of $1,217 per year.
Key figures
| Median home value | $480,300 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)