Home Insurance in Snydertown, Pennsylvania
With a median home value of $181,300, Snydertown is 12% higher than the Northumberland County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Snydertown was built around 1958. About 52% of homes were built before 1960, about 3 points below Northumberland County's 55%.
The housing stock in Snydertown is 91% single-family homes, 2% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 53% of owner-occupied homes in Snydertown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Snydertown has an owner-occupancy rate of 91% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
36% of homes in Snydertown are primarily heated with fuel oil. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Northumberland County's overall risk as Relatively Low, led by winter weather (Relatively High). 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.
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 | $181,300 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)