Home Insurance in Penbrook, Pennsylvania
With a median home value of $168,100, Penbrook is 29% lower than the Dauphin County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Penbrook was built around 1952. About 60% of homes were built before 1960, about 21 points above Dauphin County's 39%.
In Penbrook, the housing stock is 63% single-family homes and 16% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 79% of owner-occupied homes in Penbrook have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Penbrook has an owner-occupancy rate of 57% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Penbrook - 63% - 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Pennsylvania carries a statewide average premium of $1,217 per year.
Key figures
| Median home value | $168,100 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 79% |
| 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)