Home Insurance in Lebanon, Pennsylvania
The median home value in Lebanon is $156,500, 35% lower than the Lebanon County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Lebanon was built around 1947. About 71% of homes were built before 1960, about 32 points above Lebanon County's 39%.
The housing stock in Lebanon is 66% single-family homes and 18% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Lebanon, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lebanon has an owner-occupancy rate of 47% and a vacancy rate of 8%; 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. 42% of homes in Lebanon are primarily heated with natural gas.
Lebanon County had 273 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). 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 | $156,500 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)