Home Insurance in Chambersburg, Pennsylvania
Homes in Chambersburg carry a median value of $215,000 - 14% lower than the Franklin County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Chambersburg was built around 1963. About 48% of homes were built before 1960, about 18 points above Franklin County's 30%.
Housing in Chambersburg breaks down to 68% single-family homes and 16% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
62% of owner-occupied homes in Chambersburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Chambersburg has an owner-occupancy rate of 43% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Chambersburg, 50% of homes are primarily heated with electricity. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Franklin County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Franklin County had 257 active NFIP flood policies as of September 2026. See the full Franklin 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 | $215,000 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Franklin County | 257 |
| 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)