Home Insurance in Delaware Water Gap, Pennsylvania
With a median home value of $300,000, Delaware Water Gap is 12% higher than the Monroe County median.
The typical home in Delaware Water Gap was built around 1947. About 51% of homes were built before 1960, about 34 points above Monroe County's 17%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Delaware Water Gap breaks down to 75% single-family homes, 18% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Delaware Water Gap, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 62% of occupied homes in Delaware Water Gap are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Delaware Water Gap, 36% of homes are primarily heated with fuel oil. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Monroe County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Monroe County had 409 active NFIP flood policies as of September 2026. See the full Monroe 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 | $300,000 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Monroe County | 409 |
| 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)