Home Insurance in Narberth, Pennsylvania
Homes in Narberth carry a median value of $749,500 - 72% higher than the Montgomery County median.
The median home in Narberth was built in 1939 or earlier. About 87% of homes were built before 1960, about 50 points above Montgomery County's 37%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Narberth, the housing stock is 59% single-family homes and 26% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 64% of owner-occupied homes in Narberth have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 55% of occupied homes in Narberth are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Narberth - 78% - are primarily heated with natural gas.
Montgomery County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. 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.
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 | $749,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)