Home Insurance in Cornwall, Pennsylvania
Homes in Cornwall carry a median value of $333,700 - 38% higher than the Lebanon County median.
The typical home in Cornwall was built around 1986. About 26% of homes were built before 1960, about 13 points below Lebanon County's 39%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Cornwall, the housing stock is 89% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 56% of owner-occupied homes in Cornwall have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Cornwall are owner-occupied.
30% of homes in Cornwall are primarily heated with natural gas. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Cornwall? FEMA's National Risk Index points to winter weather (Relatively High) in Lebanon County and 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 | $333,700 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)