Home Insurance in Pen Argyl, Pennsylvania
The median home value in Pen Argyl is $188,800, 39% 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 median home in Pen Argyl was built in 1939 or earlier. About 81% of homes were built before 1960, about 40 points above Northampton County's 41%.
The housing stock in Pen Argyl is 82% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
79% of owner-occupied homes in Pen Argyl carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 74% of occupied homes in Pen Argyl are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Pen Argyl, 40% of homes 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's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. 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.
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 | $188,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 79% |
| 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)