Home Insurance in Portland, Pennsylvania
The median home value in Portland is $266,900, 14% lower than the Northampton County median.
The median home in Portland was built in 1939 or earlier. About 72% of homes were built before 1960, about 31 points above Northampton County's 41%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Portland, the housing stock is 74% single-family homes and 5% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Portland, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 54% of occupied homes in Portland are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Portland, 53% of homes are primarily heated with fuel oil. Homes heated with fuel oil and wood 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.
The statewide average premium for a standard HO-3 homeowners policy in Pennsylvania is $1,217 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $266,900 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)