Home Insurance in Fulton County, Pennsylvania
The median home value in Fulton County is $208,500, 18% lower than the Pennsylvania median.
The typical home in Fulton County was built around 1976. About 32% of homes were built before 1960, about 13 points below Pennsylvania's 45%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Fulton County is 80% single-family homes, 3% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
48% of owner-occupied homes in Fulton County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Fulton County are owner-occupied.
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. In Fulton County, 40% of homes are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively Low), earthquake (Very Low) and strong wind (Relatively Low) as the leading hazards for Fulton County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Fulton County had 20 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Pennsylvania carries a statewide average premium of $1,217 per year.
Key figures
| Median home value | $208,500 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Earthquake (Very Low), Strong Wind (Relatively Low) |
| Active NFIP flood policies (county) | 20 |
| 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)