Home Insurance in Mount Wolf, Pennsylvania
Homes in Mount Wolf carry a median value of $211,500 - 15% lower than the York County median.
The typical home in Mount Wolf was built around 1948. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 70% of homes were built before 1960, about 37 points above York County's 33%.
In Mount Wolf, the housing stock is 87% single-family homes and 2% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Mount Wolf, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 67% of occupied homes in Mount Wolf are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Mount Wolf, 83% 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.
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 | $211,500 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)