Home Insurance in Deer Lake, Pennsylvania
Homes in Deer Lake carry a median value of $227,800 - 49% higher than the Schuylkill County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Deer Lake was built around 1978. About 32% of homes were built before 1960, about 29 points below Schuylkill County's 61%.
The housing stock in Deer Lake is 99% single-family homes and 1% mobile or manufactured homes.
About 73% of owner-occupied homes in Deer Lake have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 95% of occupied homes in Deer Lake are owner-occupied.
40% of homes in Deer Lake 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.
Schuylkill County had 694 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Schuylkill 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 | $227,800 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Schuylkill County | 694 |
| 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)