Home Insurance in Greensboro, Pennsylvania
Homes in Greensboro carry a median value of $82,500 - 46% lower than the Greene County median.
The median home in Greensboro was built in 1939 or earlier. About 92% of homes were built before 1960, about 42 points above Greene County's 50%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Greensboro is 98% single-family homes and 1% mobile or manufactured homes.
About 26% of owner-occupied homes in Greensboro have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Greensboro are owner-occupied.
65% of homes in Greensboro are primarily heated with natural gas.
What's the biggest home insurance risk near Greensboro? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Greene County and Greene County had 98 active NFIP flood policies as of September 2026. See the full Greene County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners 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 | $82,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Greene County | 98 |
| 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)