Home Insurance in Fawn Grove, Pennsylvania
The median home value in Fawn Grove is $246,900, close to the York County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Fawn Grove was built around 1961. About 49% of homes were built before 1960, about 16 points above York County's 33%.
The housing stock in Fawn Grove is 94% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Fawn Grove, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Fawn Grove are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Fawn Grove, 52% of homes are primarily heated with fuel oil.
What's the biggest home insurance risk near Fawn Grove? 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.
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 | $246,900 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)