Home Insurance in Lancaster County, Pennsylvania
The median home value in Lancaster County is $301,100, 18% higher than the Pennsylvania median.
The typical home in Lancaster County was built around 1978. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 33% of homes were built before 1960, about 12 points below Pennsylvania's 45%.
The housing stock in Lancaster County is 76% single-family homes, 13% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
60% of owner-occupied homes in Lancaster County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Lancaster County are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Lancaster County, 35% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Lancaster County's top hazards are winter weather (Very High), inland flooding (Relatively High) and hurricane (Relatively High).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Lancaster County has 847 active NFIP flood policies on file.
In Pennsylvania, the statewide average premium for a standard HO-3 homeowners policy is $1,217 per year (NAIC, 2023 data).
Key figures
| Median home value | $301,100 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Inland Flooding (Relatively High), Hurricane (Relatively High) |
| Active NFIP flood policies (county) | 847 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
- Adamstown
- Akron
- Christiana
- Columbia
- Denver
- East Petersburg
- Elizabethtown
- Ephrata
- Lancaster
- Lititz
- Manheim
- Marietta
- Millersville
- Mount Joy
- Mountville
- New Holland
- Quarryville
- Strasburg
- Terre Hill
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)