Home Insurance in Williamstown, Pennsylvania
With a median home value of $100,700, Williamstown is 57% lower than the Dauphin County median.
The median home in Williamstown was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 84% of homes were built before 1960, about 46 points above Dauphin County's 39%.
In Williamstown, the housing stock is 76% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 49% of owner-occupied homes in Williamstown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Williamstown has an owner-occupancy rate of 63% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Williamstown, 55% of homes are primarily heated with fuel oil.
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 | $100,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)