Home Insurance in Shamokin Dam, Pennsylvania
With a median home value of $197,200, Shamokin Dam is 8% lower than the Snyder County median.
The typical home in Shamokin Dam was built around 1966. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 35% of homes were built before 1960, about 2 points below Snyder County's 37%.
Housing in Shamokin Dam breaks down to 79% single-family homes and 11% apartments in buildings with 5+ units.
56% of owner-occupied homes in Shamokin Dam carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Shamokin Dam are owner-occupied.
48% of homes in Shamokin Dam are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Snyder County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Snyder County had 215 active NFIP flood policies as of September 2026. See the full Snyder 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 | $197,200 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)