Home Insurance in Carlisle, Pennsylvania
The median home value in Carlisle is $224,100, 19% lower than the Cumberland County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Carlisle was built around 1953. About 56% of homes were built before 1960, about 26 points above Cumberland County's 30%.
In Carlisle, the housing stock is 62% single-family homes and 20% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 62% of owner-occupied homes in Carlisle have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Carlisle has an owner-occupancy rate of 49% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Carlisle - 51% - are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Cumberland County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Cumberland County had 619 active NFIP flood policies as of September 2026. See the full Cumberland 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 | $224,100 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Cumberland County | 619 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Nearby towns
- Mount Holly Springs
- Mechanicsburg
- Newville
- Dillsburg
- Landisburg
- Franklintown
- Shiremanstown
- York Springs
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)