Home Insurance in Wampum, Pennsylvania
The median home value in Wampum is $115,000, 22% lower than the Lawrence County median.
The typical home in Wampum was built around 1952. About 68% of homes were built before 1960, about 13 points above Lawrence County's 56%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Wampum is 72% single-family homes and 27% apartments in buildings with 5+ units.
54% of owner-occupied homes in Wampum carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Wampum has an owner-occupancy rate of 62% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
71% of homes in Wampum are primarily heated with natural gas.
FEMA rates Lawrence County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). 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 | $115,000 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)