Home Insurance in Red Hill, Pennsylvania
With a median home value of $233,000, Red Hill is 47% lower than the Montgomery County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Red Hill was built around 1983. About 22% of homes were built before 1960, about 15 points below Montgomery County's 37%.
The housing stock in Red Hill is 67% single-family homes, 17% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
52% of owner-occupied homes in Red Hill carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Red Hill has an owner-occupancy rate of 73% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Red Hill, 45% of homes are primarily heated with electricity.
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 | $233,000 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)