Home Insurance in Jefferson, Pennsylvania
Homes in Jefferson carry a median value of $234,100 - 6% lower than the York County median.
The typical home in Jefferson was built around 1962. About 47% of homes were built before 1960, about 14 points above York County's 33%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Jefferson breaks down to 83% single-family homes and 4% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
63% of owner-occupied homes in Jefferson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Jefferson 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 Jefferson, 39% of homes are primarily heated with natural gas.
FEMA rates York County's overall risk as Relatively Moderate, led by winter weather (Very High). 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 | $234,100 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)