Home Insurance in Summit Hill, Pennsylvania
Homes in Summit Hill carry a median value of $99,700 - 53% lower than the Carbon County median.
The median home in Summit Hill was built in 1939 or earlier. About 87% of homes were built before 1960, about 46 points above Carbon County's 41%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Summit Hill is 92% single-family homes and 2% apartments in buildings with 5+ units.
About 53% of owner-occupied homes in Summit Hill have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 81% of occupied homes in Summit Hill are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Summit Hill - 72% - are primarily heated with fuel oil. 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 Summit Hill? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Carbon County and Carbon County had 189 active NFIP flood policies as of September 2026. See the full Carbon 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 | $99,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)