Home Insurance in Terre Hill, Pennsylvania
The median home value in Terre Hill is $279,200, 7% lower than the Lancaster County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Terre Hill was built around 1956. About 58% of homes were built before 1960, about 26 points above Lancaster County's 33%.
In Terre Hill, the housing stock is 78% single-family homes and 9% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
74% of owner-occupied homes in Terre Hill carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 57% of occupied homes in Terre Hill are owner-occupied.
Most homes in Terre Hill - 53% - are primarily heated with electricity. 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 had 847 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). 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 | $279,200 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 57% |
| 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)