Home Insurance in Wormleysburg, Pennsylvania
The median home value in Wormleysburg is $223,400, 20% lower than the Cumberland County median.
The typical home in Wormleysburg was built around 1969. About 28% of homes were built before 1960, about 2 points below Cumberland County's 30%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Wormleysburg, the housing stock is 52% single-family homes and 39% apartments in buildings with 5+ units.
About 62% of owner-occupied homes in Wormleysburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Wormleysburg has an owner-occupancy rate of 44% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Wormleysburg, 49% of homes are primarily heated with electricity. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Cumberland County's overall risk as Relatively Moderate, led by winter weather (Relatively High). 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 | $223,400 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 44% |
| 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
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)