Home Insurance in Steelton, Pennsylvania
Homes in Steelton carry a median value of $134,800 - 43% lower than the Dauphin County median.
The typical home in Steelton was built around 1949. About 62% of homes were built before 1960, about 24 points above Dauphin County's 39%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Steelton is 83% single-family homes, 9% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Steelton, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Steelton has an owner-occupancy rate of 48% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
66% of homes in Steelton are primarily heated with natural gas.
What's the biggest home insurance risk near Steelton? 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 | $134,800 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)