Home Insurance in Swarthmore, Pennsylvania
Homes in Swarthmore carry a median value of $633,800 - 91% higher than the Delaware County median.
The typical home in Swarthmore was built around 1949. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 67% of homes were built before 1960, about 10 points above Delaware County's 58%.
In Swarthmore, the housing stock is 61% single-family homes, 26% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Swarthmore, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 76% of occupied homes in Swarthmore are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Swarthmore - 71% - are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
In Pennsylvania, the statewide average premium for a standard HO-3 homeowners policy is $1,217 per year (NAIC, 2023 data).
Key figures
| Median home value | $633,800 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)