Home Insurance in Collingdale, Pennsylvania
The median home value in Collingdale is $166,600, 50% lower than the Delaware County median.
The typical home in Collingdale was built around 1951. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 77% of homes were built before 1960, about 19 points above Delaware County's 58%.
Housing in Collingdale breaks down to 76% single-family homes and 1% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 71% of owner-occupied homes in Collingdale have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 58% of occupied homes in Collingdale are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Collingdale - 61% - are primarily heated with natural gas.
What's the biggest home insurance risk near Collingdale? FEMA's National Risk Index points to winter weather (Very High) in Delaware County and Delaware County had 2,016 active NFIP flood policies as of September 2026. See the full Delaware 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 | $166,600 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Delaware County | 2,016 |
| 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)