Home Insurance in Tamaqua, Pennsylvania
Homes in Tamaqua carry a median value of $83,700 - 45% lower than the Schuylkill County median.
The median home in Tamaqua was built in 1939 or earlier. About 81% of homes were built before 1960, about 20 points above Schuylkill County's 61%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Tamaqua, the housing stock is 69% single-family homes, 19% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 49% of owner-occupied homes in Tamaqua have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 50% of occupied homes in Tamaqua are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Tamaqua - 55% - 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.
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 | $83,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)