Home Insurance in Franklintown, Pennsylvania
Homes in Franklintown carry a median value of $171,600 - 31% lower than the York County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Franklintown was built around 1991. About 22% of homes were built before 1960, about 11 points below York County's 33%.
In Franklintown, the housing stock is 62% single-family homes, 10% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Franklintown, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Franklintown has an owner-occupancy rate of 54% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
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 Franklintown, 73% of homes are primarily heated with electricity.
York County had 807 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). 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 | $171,600 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)