Home Insurance in Jenkintown, Pennsylvania
With a median home value of $398,000, Jenkintown is 9% lower than the Montgomery County median.
The median home in Jenkintown was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 77% of homes were built before 1960, about 40 points above Montgomery County's 37%.
In Jenkintown, the housing stock is 48% single-family homes and 36% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Jenkintown, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Jenkintown has an owner-occupancy rate of 67% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
74% of homes in Jenkintown 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.
Montgomery County had 3,276 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full Montgomery County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $398,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Montgomery County | 3,276 |
| 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)