Home Insurance in Tatamy, Pennsylvania
Homes in Tatamy carry a median value of $310,200 - close to the Northampton County median.
The typical home in Tatamy was built around 1968. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 45% of homes were built before 1960, about 4 points above Northampton County's 41%.
The housing stock in Tatamy is 80% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Tatamy, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 76% of occupied homes in Tatamy are owner-occupied.
In Tatamy, 44% of homes are primarily heated with fuel oil. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Tatamy? FEMA's National Risk Index points to winter weather (Relatively High) in Northampton County and 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.
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 | $310,200 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)