Home Insurance in Waynesboro, Pennsylvania
Homes in Waynesboro carry a median value of $188,600 - 24% 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 Waynesboro was built around 1956. About 54% of homes were built before 1960, about 24 points above Franklin County's 30%.
Housing in Waynesboro breaks down to 66% single-family homes, 15% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 69% of owner-occupied homes in Waynesboro have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Waynesboro has an owner-occupancy rate of 52% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Waynesboro - 51% - 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 had 257 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). 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 | $188,600 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)