Home Insurance in Lehigh County, Pennsylvania
With a median home value of $300,400, Lehigh County is 18% higher than the Pennsylvania median.
The typical home in Lehigh County was built around 1968. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 41% of homes were built before 1960, about 3 points below Pennsylvania's 45%.
The housing stock in Lehigh County is 74% single-family homes, 15% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
64% of owner-occupied homes in Lehigh County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Lehigh County are owner-occupied.
In Lehigh County, 41% of homes are primarily heated with electricity. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists winter weather (Very High), strong wind (Relatively High) and inland flooding (Relatively High) as the leading hazards for Lehigh County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Lehigh County has 553 active NFIP flood policies on file.
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 | $300,400 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Strong Wind (Relatively High), Inland Flooding (Relatively High) |
| Active NFIP flood policies (county) | 553 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)