Home Insurance in Bangor, Pennsylvania
Homes in Bangor carry a median value of $173,800 - 44% lower than the Northampton County median.
The median home in Bangor was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 83% of homes were built before 1960, about 43 points above Northampton County's 41%.
The housing stock in Bangor is 77% single-family homes and 14% apartments in buildings with 5+ units.
In Bangor, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Bangor has an owner-occupancy rate of 73% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 43% of homes in Bangor are primarily heated with natural gas.
Northampton County had 775 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Northampton 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 | $173,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Northampton County | 775 |
| 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)