Home Insurance in Cumberland County, Pennsylvania
Homes in Cumberland County carry a median value of $277,600 - 9% higher than the Pennsylvania median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Cumberland County was built around 1978. About 30% of homes were built before 1960, about 15 points below Pennsylvania's 45%.
The housing stock in Cumberland County is 76% single-family homes, 12% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Cumberland County, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Cumberland County has an owner-occupancy rate of 71% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Cumberland County, 38% of homes are primarily heated with natural gas. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Cumberland County's top hazards are winter weather (Relatively High), strong wind (Relatively High) and inland flooding (Relatively Moderate).
Cumberland County had 619 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $277,600 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Strong Wind (Relatively High), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 619 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
- Camp Hill
- Carlisle
- Lemoyne
- Mechanicsburg
- Mount Holly Springs
- New Cumberland
- Newburg
- Newville
- Shippensburg
- Shiremanstown
- Wormleysburg
Sources
- 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)