Home Insurance in Dauphin, Pennsylvania
The median home value in Dauphin is $198,800, 16% lower than the Dauphin County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Dauphin was built around 1947. About 63% of homes were built before 1960, about 24 points above Dauphin County's 39%.
In Dauphin, the housing stock is 81% single-family homes. The rest are 2-4 unit or other housing types.
50% of owner-occupied homes in Dauphin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Dauphin are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 33% of homes in Dauphin are primarily heated with fuel oil.
Dauphin County had 1,431 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full Dauphin County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $198,800 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Dauphin County | 1,431 |
| 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)