Home Insurance in Delta, Pennsylvania
Homes in Delta carry a median value of $219,100 - 12% lower than the York County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Delta was built in 1939 or earlier. About 83% of homes were built before 1960, about 50 points above York County's 33%.
Housing in Delta breaks down to 67% single-family homes and 16% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
77% of owner-occupied homes in Delta carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 56% of occupied homes in Delta are owner-occupied.
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. 46% of homes in Delta are primarily heated with fuel oil.
York County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. 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.
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 | $219,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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)