Home Insurance in Freemansburg, Pennsylvania
Homes in Freemansburg carry a median value of $225,600 - 27% lower than the Northampton County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Freemansburg was built around 1981. About 35% of homes were built before 1960, about 5 points below Northampton County's 41%.
The housing stock in Freemansburg is 86% single-family homes and 6% apartments in buildings with 5+ units.
In Freemansburg, about 75% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 56% of occupied homes in Freemansburg are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Freemansburg - 62% - 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.
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.
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 | $225,600 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)