Home Insurance in Norristown, Pennsylvania
With a median home value of $213,900, Norristown is 51% 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 Norristown was built around 1957. About 55% of homes were built before 1960, about 18 points above Montgomery County's 37%.
Housing in Norristown breaks down to 60% single-family homes and 24% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 73% of owner-occupied homes in Norristown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 43% of occupied homes in Norristown are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Norristown - 52% - 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'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.
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 | $213,900 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)