Home Insurance in Elco, Pennsylvania
With a median home value of $159,400, Elco is 30% lower than the Washington County median.
The typical home in Elco was built around 1940. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 81% of homes were built before 1960, about 37 points above Washington County's 44%.
The housing stock in Elco is 97% single-family homes and 2% mobile or manufactured homes.
In Elco, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Elco has an owner-occupancy rate of 86% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
In Elco, 88% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Elco? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Washington County and Washington County had 619 active NFIP flood policies as of September 2026. See the full Washington County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $159,400 |
|---|---|
| Median year built | 1940 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Washington County | 619 |
| 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)