Home Insurance in Cleona, Pennsylvania
Homes in Cleona carry a median value of $177,600 - 27% lower than the Lebanon County median.
The typical home in Cleona was built around 1957. About 56% of homes were built before 1960, about 17 points above Lebanon County's 39%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Cleona breaks down to 91% single-family homes and 2% apartments in buildings with 5+ units.
About 67% of owner-occupied homes in Cleona have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Cleona has an owner-occupancy rate of 69% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Cleona, 38% of homes are primarily heated with fuel oil. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Lebanon County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Lebanon County had 273 active NFIP flood policies as of September 2026. See the full Lebanon County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $177,600 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Lebanon County | 273 |
| 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)