Home Insurance in Lancaster, Pennsylvania
Homes in Lancaster carry a median value of $219,500 - 27% 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 median home in Lancaster was built in 1939 or earlier. About 71% of homes were built before 1960, about 39 points above Lancaster County's 33%.
The housing stock in Lancaster is 63% single-family homes and 18% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Lancaster, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lancaster has an owner-occupancy rate of 49% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Lancaster - 61% - are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Lancaster County's overall risk as Relatively High, led by winter weather (Very High). 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 | $219,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)