Home Insurance in York, Pennsylvania
The median home value in York is $119,700, 52% lower than the York County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in York was built around 1941. About 70% of homes were built before 1960, about 37 points above York County's 33%.
The housing stock in York is 62% single-family homes and 15% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
61% of owner-occupied homes in York carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
York has an owner-occupancy rate of 44% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In York, 68% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near York? FEMA's National Risk Index points to winter weather (Very High) in York County and 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 | $119,700 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)