Home Insurance in Colwyn, Pennsylvania
Homes in Colwyn carry a median value of $128,100 - 61% lower than the Delaware County median.
The typical home in Colwyn was built around 1951. About 72% of homes were built before 1960, about 14 points above Delaware County's 58%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Colwyn, the housing stock is 72% single-family homes and 9% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 71% of owner-occupied homes in Colwyn have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 45% of occupied homes in Colwyn are owner-occupied.
In Colwyn, 61% of homes are primarily heated with natural gas.
Delaware County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. 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 | $128,100 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 45% |
| 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)