Home Insurance in Paxtang, Pennsylvania
With a median home value of $180,400, Paxtang is 24% lower than the Dauphin County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Paxtang was built in 1939 or earlier. About 92% of homes were built before 1960, about 54 points above Dauphin County's 39%.
Housing in Paxtang breaks down to 87% single-family homes. The rest are 2-4 unit or other housing types.
About 56% of owner-occupied homes in Paxtang have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Paxtang has an owner-occupancy rate of 83% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in Paxtang - 65% - 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.
Dauphin County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. Dauphin County had 1,431 active NFIP flood policies as of September 2026. See the full Dauphin 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 | $180,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)