Home Insurance in Pillow, Pennsylvania
Homes in Pillow carry a median value of $136,500 - 42% lower than the Dauphin County median.
The median home in Pillow was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 72% of homes were built before 1960, about 33 points above Dauphin County's 39%.
In Pillow, the housing stock is 84% single-family homes and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
57% of owner-occupied homes in Pillow carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 86% of occupied homes in Pillow are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Pillow, 59% of homes are primarily heated with fuel oil.
What's the biggest home insurance risk near Pillow? FEMA's National Risk Index points to winter weather (Very High) in Dauphin County and 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 | $136,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)