Home Insurance in Jonestown, Pennsylvania
The median home value in Jonestown is $231,800, close to the Lebanon County median.
The typical home in Jonestown was built around 1993. About 30% of homes were built before 1960, about 9 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.
The housing stock in Jonestown is 91% single-family homes and 6% apartments in buildings with 5+ units.
About 75% of owner-occupied homes in Jonestown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Jonestown has an owner-occupancy rate of 79% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 58% of homes in Jonestown are primarily heated with electricity.
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.
In Pennsylvania, the statewide average premium for a standard HO-3 homeowners policy is $1,217 per year (NAIC, 2023 data).
Key figures
| Median home value | $231,800 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)