Home Insurance in Enon Valley, Pennsylvania
Homes in Enon Valley carry a median value of $115,800 - 21% lower than the Lawrence 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 Enon Valley was built in 1939 or earlier. About 77% of homes were built before 1960, about 21 points above Lawrence County's 56%.
In Enon Valley, the housing stock is 86% single-family homes and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Enon Valley, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Enon Valley are owner-occupied.
Most homes in Enon Valley - 86% - are primarily heated with natural gas.
Lawrence County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Lawrence County had 159 active NFIP flood policies as of September 2026. See the full Lawrence County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $115,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Lawrence County | 159 |
| 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)