Home Insurance in Kulpmont, Pennsylvania
With a median home value of $84,000, Kulpmont is 48% lower than the Northumberland County median.
The typical home in Kulpmont was built around 1947. About 73% of homes were built before 1960, about 18 points above Northumberland County's 55%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Kulpmont is 89% single-family homes, 8% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
38% of owner-occupied homes in Kulpmont carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Kulpmont are owner-occupied.
Most homes in Kulpmont - 66% - 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.
Northumberland County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Northumberland County had 489 active NFIP flood policies as of September 2026. See the full Northumberland 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 | $84,000 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Northumberland County | 489 |
| 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)