Home Insurance in Montgomery County, Pennsylvania
The median home value in Montgomery County is $436,700, 72% higher than the Pennsylvania median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Montgomery County was built around 1971. About 37% of homes were built before 1960, about 8 points below Pennsylvania's 45%.
The housing stock in Montgomery County is 73% single-family homes, 19% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Montgomery County, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 71% of occupied homes in Montgomery County are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Montgomery County, 52% of homes are primarily heated with natural gas.
The top hazards for Montgomery County, per FEMA's National Risk Index, are winter weather (Very High), strong wind (Very High) and inland flooding (Relatively High).
As of September 2026, Montgomery County has 3,276 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $436,700 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Strong Wind (Very High), Inland Flooding (Relatively High) |
| Active NFIP flood policies (county) | 3,276 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
- Ambler
- Bryn Athyn
- Collegeville
- Conshohocken
- Green Lane
- Hatboro
- Hatfield
- Jenkintown
- Lansdale
- Narberth
- Norristown
- North Wales
- Pennsburg
- Pottstown
- Red Hill
- Rockledge
- Royersford
- Schwenksville
- Souderton
- Trappe
- West Conshohocken
Smaller communities
-
Bridgeport
- Median home value: $341,100
- Median year built: 1964
- Owner-occupied share: 43%
-
East Greenville
- Median home value: $253,400
- Median year built: 1958
- Owner-occupied share: 60%
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)