Home Insurance in Northumberland County, Pennsylvania
With a median home value of $162,400, Northumberland County is 36% lower than the Pennsylvania median.
The typical home in Northumberland County was built around 1954. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 55% of homes were built before 1960, about 10 points above Pennsylvania's 45%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Northumberland County is 82% single-family homes, 6% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
In Northumberland County, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Northumberland County are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 30% of homes in Northumberland County are primarily heated with electricity.
The top hazards for Northumberland County, per FEMA's National Risk Index, are winter weather (Relatively High), inland flooding (Relatively Moderate) and strong wind (Relatively High).
Northumberland County had 489 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $162,400 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Inland Flooding (Relatively Moderate), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 489 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
- Herndon
- Kulpmont
- Marion Heights
- McEwensville
- Milton
- Mount Carmel
- Northumberland
- Riverside
- Shamokin
- Snydertown
- Sunbury
- Turbotville
- Watsontown
Sources
- 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)