Home Insurance in Palmerton, Pennsylvania
Homes in Palmerton carry a median value of $180,000 - 15% lower than the Carbon County median.
The typical home in Palmerton was built around 1947. About 61% of homes were built before 1960, about 20 points above Carbon County's 41%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Palmerton is 72% single-family homes and 21% apartments in buildings with 5+ units.
About 65% of owner-occupied homes in Palmerton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Palmerton are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 39% of homes in Palmerton are primarily heated with electricity.
Carbon County had 189 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Carbon 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 | $180,000 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Carbon County | 189 |
| 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)