Home Insurance in Franklin County, Pennsylvania
Homes in Franklin County carry a median value of $249,800 - close to the Pennsylvania median.
The typical home in Franklin County was built around 1978. About 30% of homes were built before 1960, about 15 points below Pennsylvania's 45%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Franklin County, the housing stock is 80% single-family homes, 7% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Franklin County, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Franklin County are owner-occupied.
52% of homes in Franklin County are primarily heated with electricity. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hurricane (Relatively Moderate), inland flooding (Relatively Moderate) and strong wind (Relatively Moderate) as the leading hazards for Franklin County.
As of September 2026, Franklin County has 257 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $249,800 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Inland Flooding (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 257 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)