Home Insurance in Adamstown, Pennsylvania
The median home value in Adamstown is $278,500, 8% lower than the Lancaster 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 Adamstown was built around 1996. About 27% of homes were built before 1960, about 5 points below Lancaster County's 33%.
Housing in Adamstown breaks down to 89% single-family homes, 4% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
82% of owner-occupied homes in Adamstown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 82% of occupied homes in Adamstown are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
38% of homes in Adamstown are primarily heated with natural gas. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Lancaster County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. Lancaster County had 847 active NFIP flood policies as of September 2026. See the full Lancaster 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 | $278,500 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 82% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Lancaster County | 847 |
| 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)