Home Insurance in Felton, Pennsylvania
The median home value in Felton is $194,400, 22% lower than the York County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Felton was built in 1939 or earlier. About 67% of homes were built before 1960, about 34 points above York County's 33%.
The housing stock in Felton is 92% single-family homes, 4% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Felton, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Felton has an owner-occupancy rate of 93% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Felton - 55% - are primarily heated with fuel oil. 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.
What's the biggest home insurance risk near Felton? 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 | $194,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)