Home Insurance in York County, Pennsylvania
With a median home value of $248,600, York County is close to the Pennsylvania median.
The typical home in York County was built around 1976. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 33% of homes were built before 1960, about 12 points below Pennsylvania's 45%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in York County is 81% single-family homes, 8% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
64% of owner-occupied homes in York County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 76% of occupied homes in York County are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in York County - 51% - are primarily heated with natural gas. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for York County, per FEMA's National Risk Index, are winter weather (Very High), inland flooding (Relatively High) and strong wind (Relatively High).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, York County has 807 active NFIP flood policies on file.
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 | $248,600 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Inland Flooding (Relatively High), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 807 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
- Cross Roads
- Dallastown
- Delta
- Dillsburg
- Dover
- East Prospect
- Fawn Grove
- Felton
- Franklintown
- Glen Rock
- Goldsboro
- Hallam
- Hanover
- Jacobus
- Jefferson
- Lewisberry
- Loganville
- Manchester
- Mount Wolf
- New Freedom
- New Salem
- North York
- Railroad
- Red Lion
- Seven Valleys
- Shrewsbury
- Spring Grove
- Stewartstown
- Wellsville
- West York
- Windsor
- Winterstown
- Wrightsville
- Yoe
- York
- York Haven
- Yorkana
Sources
- 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)