Home Insurance in Orwigsburg, Pennsylvania
Homes in Orwigsburg carry a median value of $213,200 - 39% 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 Orwigsburg was built around 1960. About 50% of homes were built before 1960, about 11 points below Schuylkill County's 61%.
The housing stock in Orwigsburg is 72% single-family homes, 17% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 75% of owner-occupied homes in Orwigsburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Orwigsburg has an owner-occupancy rate of 71% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Orwigsburg, 46% of homes are primarily heated with fuel oil.
Schuylkill County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Schuylkill County had 694 active NFIP flood policies as of September 2026. See the full Schuylkill 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 | $213,200 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)