Home Insurance in Dauphin County, Pennsylvania
With a median home value of $236,400, Dauphin County is 7% lower than the Pennsylvania median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Dauphin County was built around 1972. About 39% of homes were built before 1960, about 6 points below Pennsylvania's 45%.
Housing in Dauphin County breaks down to 72% single-family homes, 17% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
62% of owner-occupied homes in Dauphin County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Dauphin County are owner-occupied.
38% of homes in Dauphin County 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.
Per FEMA's National Risk Index, Dauphin County's top hazards are winter weather (Very High), inland flooding (Relatively High) and strong wind (Relatively High).
Dauphin County had 1,431 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 | $236,400 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Inland Flooding (Relatively High), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 1,431 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
- Berrysburg
- Dauphin
- Elizabethville
- Gratz
- Halifax
- Harrisburg
- Highspire
- Hummelstown
- Lykens
- Middletown
- Millersburg
- Paxtang
- Penbrook
- Pillow
- Royalton
- Steelton
- Williamstown
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)