Home Insurance in Stewartstown, Pennsylvania
Homes in Stewartstown carry a median value of $267,500 - 8% higher 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 Stewartstown was built around 1990. About 34% of homes were built before 1960, about 1 point above York County's 33%.
Housing in Stewartstown breaks down to 75% single-family homes and 19% apartments in buildings with 5+ units.
About 73% of owner-occupied homes in Stewartstown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 65% of occupied homes in Stewartstown are owner-occupied.
Most homes in Stewartstown - 59% - are primarily heated with natural gas.
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 | $267,500 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 65% |
| 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)