Home Insurance in Dallastown, Pennsylvania
The median home value in Dallastown is $188,500, 24% lower than the York County median.
The typical home in Dallastown was built around 1958. About 52% of homes were built before 1960, about 19 points above York County's 33%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Dallastown, the housing stock is 65% single-family homes and 20% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Dallastown, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 45% of occupied homes in Dallastown are owner-occupied.
Most homes in Dallastown - 57% - are primarily heated with natural gas.
What's the biggest home insurance risk near Dallastown? FEMA's National Risk Index points to winter weather (Very High) in York County and York County had 807 active NFIP flood policies as of September 2026. See the full York 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 | $188,500 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in York County | 807 |
| 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)