Home Insurance in Fountain Hill, Pennsylvania
Homes in Fountain Hill carry a median value of $246,700 - 18% lower than the Lehigh County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Fountain Hill was built around 1947. About 68% of homes were built before 1960, about 26 points above Lehigh County's 41%.
Housing in Fountain Hill breaks down to 70% single-family homes and 17% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 73% of owner-occupied homes in Fountain Hill have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Fountain Hill are owner-occupied.
43% of homes in Fountain Hill are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Lehigh County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Pennsylvania carries a statewide average premium of $1,217 per year.
Key figures
| Median home value | $246,700 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)