Home Insurance in Tower City, Pennsylvania
Homes in Tower City carry a median value of $114,800 - 25% lower than the Schuylkill County median.
The median home in Tower City was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 81% of homes were built before 1960, about 20 points above Schuylkill County's 61%.
In Tower City, the housing stock is 84% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 55% of owner-occupied homes in Tower City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Tower City has an owner-occupancy rate of 74% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 60% of homes in Tower City are primarily heated with fuel oil.
FEMA rates Schuylkill County's overall risk as Relatively Moderate, led by winter weather (Relatively High). 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 | $114,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)