Home Insurance in Lansdale, Pennsylvania
Homes in Lansdale carry a median value of $343,800 - 21% lower than the Montgomery County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lansdale was built around 1958. About 54% of homes were built before 1960, about 16 points above Montgomery County's 37%.
The housing stock in Lansdale is 61% single-family homes and 23% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Lansdale, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 55% of occupied homes in Lansdale 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. In Lansdale, 50% of homes are primarily heated with natural gas.
FEMA rates Montgomery County's overall risk as Relatively High, led by winter weather (Very High). Montgomery County had 3,276 active NFIP flood policies as of September 2026. See the full Montgomery 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 | $343,800 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)