Home Insurance in Lewisberry, Pennsylvania
Homes in Lewisberry carry a median value of $218,400 - 12% lower than the York County median.
The typical home in Lewisberry was built around 1948. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 54% of homes were built before 1960, about 21 points above York County's 33%.
The housing stock in Lewisberry is 84% single-family homes. The rest are 2-4 unit or other housing types.
70% of owner-occupied homes in Lewisberry carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lewisberry has an owner-occupancy rate of 83% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
45% of homes in Lewisberry are primarily heated with fuel oil. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $218,400 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)