Home Insurance in Modena, Pennsylvania
With a median home value of $211,800, Modena is 56% lower than the Chester County median.
The median home in Modena was built in 1939 or earlier. About 82% of homes were built before 1960, about 59 points above Chester County's 23%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Modena, the housing stock is 80% single-family homes and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 49% of owner-occupied homes in Modena have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 60% of occupied homes in Modena are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
37% of homes in Modena are primarily heated with fuel oil. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Chester County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. Chester County had 1,252 active NFIP flood policies as of September 2026. See the full Chester 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 | $211,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Chester County | 1,252 |
| 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)