Home Insurance in Northampton, Pennsylvania
Homes in Northampton carry a median value of $235,200 - 24% lower than the Northampton County median.
The typical home in Northampton was built around 1941. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 63% of homes were built before 1960, about 22 points above Northampton County's 41%.
Housing in Northampton breaks down to 78% single-family homes and 11% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Northampton, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Northampton has an owner-occupancy rate of 70% and a vacancy rate of 11%; 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. In Northampton, 35% of homes are primarily heated with natural gas.
FEMA rates Northampton County's overall risk as Relatively Moderate, led by winter weather (Relatively High). Northampton County had 775 active NFIP flood policies as of September 2026. 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 | $235,200 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)