Home Insurance in Washingtonville, Pennsylvania
With a median home value of $170,000, Washingtonville is 31% lower than the Montour County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Washingtonville was built in 1939 or earlier. About 67% of homes were built before 1960, about 34 points above Montour County's 33%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Washingtonville is 34% single-family homes, 19% apartments in buildings with 5+ units and 16% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Washingtonville, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Washingtonville has an owner-occupancy rate of 34% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 62% of homes in Washingtonville are primarily heated with electricity.
What's the biggest home insurance risk near Washingtonville? FEMA's National Risk Index points to hurricane (Relatively Low) in Montour County and Montour County had 75 active NFIP flood policies as of September 2026. See the full Montour 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 | $170,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 34% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Montour County | 75 |
| 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)