Home Insurance in Northampton County, Pennsylvania
The median home value in Northampton County is $308,600, 21% higher than the Pennsylvania median.
The typical home in Northampton County was built around 1971. About 41% of homes were built before 1960, about 4 points below Pennsylvania's 45%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Northampton County, the housing stock is 78% single-family homes, 11% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 60% of owner-occupied homes in Northampton County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Northampton County are owner-occupied.
40% of homes in Northampton County 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.
FEMA's National Risk Index lists winter weather (Relatively High), inland flooding (Relatively High) and hurricane (Relatively Moderate) as the leading hazards for Northampton County.
As of September 2026, Northampton County has 775 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $308,600 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Inland Flooding (Relatively High), Hurricane (Relatively Moderate) |
| Active NFIP flood policies (county) | 775 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
- Bangor
- Bath
- Bethlehem
- Chapman
- East Bangor
- Easton
- Freemansburg
- Glendon
- Hellertown
- Nazareth
- North Catasauqua
- Northampton
- Pen Argyl
- Portland
- Roseto
- Stockertown
- Tatamy
- Walnutport
- West Easton
- Wilson
- Wind Gap
Sources
- 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)