Home Insurance in Allentown, Pennsylvania
Homes in Allentown carry a median value of $206,600 - 31% lower than the Lehigh County median.
The typical home in Allentown was built around 1952. About 62% of homes were built before 1960, about 21 points above Lehigh County's 41%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Allentown breaks down to 62% single-family homes and 23% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
62% of owner-occupied homes in Allentown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 43% of occupied homes in Allentown are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 44% of homes in Allentown are primarily heated with natural gas.
What's the biggest home insurance risk near Allentown? FEMA's National Risk Index points to winter weather (Very High) in Lehigh County and Lehigh County had 553 active NFIP flood policies as of September 2026. See the full Lehigh 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 | $206,600 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Lehigh County | 553 |
| 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)