Home Insurance in Northumberland, Pennsylvania
With a median home value of $162,600, Northumberland is close to the Northumberland County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Northumberland was built around 1949. About 62% of homes were built before 1960, about 7 points above Northumberland County's 55%.
Housing in Northumberland breaks down to 75% single-family homes and 5% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
50% of owner-occupied homes in Northumberland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Northumberland has an owner-occupancy rate of 71% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Northumberland, 50% 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.
Northumberland County had 489 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Northumberland 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 | $162,600 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)