Home Insurance in Schwenksville, Pennsylvania
The median home value in Schwenksville is $252,900, 42% lower than the Montgomery County median.
The typical home in Schwenksville was built around 1969. About 38% of homes were built before 1960, in line with Montgomery County (37%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Schwenksville breaks down to 49% single-family homes and 41% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Schwenksville, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 58% of occupied homes in Schwenksville are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Schwenksville, 41% of homes are primarily heated with electricity. Homes heated with propane and 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 | $252,900 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)