Home Insurance in Hop Bottom, Pennsylvania
With a median home value of $116,600, Hop Bottom is 46% lower than the Susquehanna County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Hop Bottom was built in 1939 or earlier. About 80% of homes were built before 1960, about 45 points above Susquehanna County's 35%.
In Hop Bottom, the housing stock is 81% single-family homes and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 62% of owner-occupied homes in Hop Bottom have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hop Bottom has an owner-occupancy rate of 81% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 43% of homes in Hop Bottom are primarily heated with fuel oil.
FEMA rates Susquehanna County's overall risk as Relatively Low, led by hurricane (Relatively Low). Susquehanna County had 203 active NFIP flood policies as of September 2026. See the full Susquehanna County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Pennsylvania carries a statewide average premium of $1,217 per year.
Key figures
| Median home value | $116,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Susquehanna County | 203 |
| 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)