Home Insurance in Freeburg, Pennsylvania
With a median home value of $185,000, Freeburg is 14% lower than the Snyder County median.
The typical home in Freeburg was built around 1955. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 55% of homes were built before 1960, about 18 points above Snyder County's 37%.
In Freeburg, the housing stock is 88% single-family homes. The rest are 2-4 unit or other housing types.
In Freeburg, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Freeburg has an owner-occupancy rate of 76% and a vacancy rate of 8%; 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. 44% of homes in Freeburg are primarily heated with electricity.
Snyder County had 215 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Snyder 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 | $185,000 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Snyder County | 215 |
| 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)