Home Insurance in Elizabethtown, Pennsylvania
Homes in Elizabethtown carry a median value of $238,700 - 21% lower than the Lancaster County median.
The typical home in Elizabethtown was built around 1964. About 47% of homes were built before 1960, about 15 points above Lancaster County's 33%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Elizabethtown breaks down to 63% single-family homes and 26% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 74% of owner-occupied homes in Elizabethtown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Elizabethtown has an owner-occupancy rate of 58% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in Elizabethtown - 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.
What's the biggest home insurance risk near Elizabethtown? FEMA's National Risk Index points to winter weather (Very High) in Lancaster County and 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.
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 | $238,700 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)