Home Insurance in Wrightsville, Pennsylvania
The median home value in Wrightsville is $182,500, 27% lower than the York County median.
The typical home in Wrightsville was built around 1944. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 70% of homes were built before 1960, about 37 points above York County's 33%.
The housing stock in Wrightsville is 77% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
66% of owner-occupied homes in Wrightsville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Wrightsville are owner-occupied.
Most homes in Wrightsville - 73% - are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
York County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. 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 | $182,500 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)