Home insurance costs & natural hazards in Pennsylvania
Plain facts for Pennsylvania homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.
See the numbersHistorical averages, not a quote. Updated Oct 2026.
Pennsylvania at a glance
Four numbers most homeowners ask about first.
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
Single-family NFIP policies that took effect in 2025.
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
Counties FEMA rates relatively high or very high on its overall National Risk Index.
What homeowners in Pennsylvania pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
The typical Pennsylvania ZIP code saw homeowners premiums of $1,015 per policy in 2022, 35% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 3% between 2018 and 2022. The figures come from 1,524 Pennsylvania ZIP codes in Treasury's data.
Typical premium per policy
Flood insurance
Standard home policies don't cover floods. 29,277 single-family NFIP policies took effect in Pennsylvania in 2025, at an average full cost of $1,425, compared with $1,151 in 2022. About 66% of those policies are for homes in high-risk A or V zones.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
Bars count how many of Pennsylvania's 67 counties FEMA rates relatively high or very high for each hazard. The most widespread are lightning, winter weather and strong wind. Open any county for its full hazard profile.
Hazards across Pennsylvania's counties
Pennsylvania counties
All 67 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
Typical home premium by county, 2022
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Adams County | $1,004 | $1,588 | Relatively Low |
| Allegheny County | $990 | $1,402 | Relatively High |
| Armstrong County | $937 | $1,695 | Relatively Low |
| Beaver County | $968 | $1,496 | Relatively Low |
| Bedford County | $929 | $1,661 | Relatively Low |
| Berks County | $1,063 | $1,434 | Relatively Moderate |
| Blair County | $880 | $1,135 | Relatively Low |
| Bradford County | $1,004 | $1,412 | Relatively Low |
| Bucks County | $1,687 | $1,541 | Relatively High |
| Butler County | $1,022 | $1,559 | Relatively Low |
| Cambria County | $846 | $1,073 | Relatively Low |
| Cameron County | $758 | $1,258 | Very Low |
| Carbon County | $1,098 | $1,368 | Relatively Low |
| Centre County | $939 | $1,376 | Relatively Low |
| Chester County | $1,494 | $1,371 | Relatively Moderate |
| Clarion County | $954 | $1,633 | Very Low |
| Clearfield County | $913 | $1,209 | Relatively Low |
| Clinton County | $815 | $1,533 | Relatively Low |
| Columbia County | $964 | $1,481 | Relatively Low |
| Crawford County | $1,039 | $1,348 | Relatively Low |
| Cumberland County | $982 | $1,658 | Relatively Moderate |
| Dauphin County | $975 | $1,801 | Relatively Moderate |
| Delaware County | $1,523 | $1,205 | Relatively Moderate |
| Elk County | $867 | $1,384 | Relatively Low |
| Erie County | $998 | $1,104 | Relatively Moderate |
| Fayette County | $1,034 | $1,499 | Relatively Moderate |
| Forest County | $824 | $1,909 | Very Low |
| Franklin County | $910 | $1,327 | Relatively Low |
| Fulton County | $961 | $1,070 | Very Low |
| Greene County | $1,050 | $1,894 | Relatively Low |
| Huntingdon County | $923 | $1,227 | Relatively Low |
| Indiana County | $961 | $1,149 | Relatively Low |
| Jefferson County | $900 | $1,320 | Relatively Low |
| Juniata County | $903 | $1,489 | Very Low |
| Lackawanna County | $1,120 | $1,494 | Relatively Moderate |
| Lancaster County | $994 | $1,590 | Relatively High |
| Lawrence County | $1,032 | $1,686 | Relatively Low |
| Lebanon County | $950 | $1,402 | Relatively Low |
| Lehigh County | $1,172 | $1,551 | Relatively Moderate |
| Luzerne County | $1,054 | $1,139 | Relatively Moderate |
| Lycoming County | $920 | $1,715 | Relatively Low |
| McKean County | $969 | $1,232 | Relatively Low |
| Mercer County | $1,009 | $1,158 | Relatively Low |
| Mifflin County | $819 | $1,595 | Relatively Low |
| Monroe County | $1,379 | $1,356 | Relatively Moderate |
| Montgomery County | $1,422 | $1,364 | Relatively High |
| Montour County | $980 | $1,238 | Very Low |
| Northampton County | $1,187 | $1,833 | Relatively Moderate |
| Northumberland County | $871 | $1,422 | Relatively Low |
| Perry County | $949 | $1,804 | Relatively Low |
| Philadelphia County | $1,711 | $1,153 | Very High |
| Pike County | $1,343 | $1,418 | Relatively Low |
| Potter County | $1,002 | $1,410 | Very Low |
| Schuylkill County | $1,022 | $1,428 | Relatively Moderate |
| Snyder County | $884 | $1,515 | Relatively Low |
| Somerset County | $930 | $1,278 | Relatively Low |
| Sullivan County | $980 | $1,684 | Very Low |
| Susquehanna County | $1,133 | $1,772 | Relatively Low |
| Tioga County | $948 | $1,734 | Relatively Low |
| Union County | $850 | $1,736 | Relatively Low |
| Venango County | $994 | $1,521 | Relatively Low |
| Warren County | $899 | $1,540 | Relatively Low |
| Washington County | $967 | $1,749 | Relatively Moderate |
| Wayne County | $1,328 | $1,734 | Relatively Low |
| Westmoreland County | $923 | $1,376 | Relatively Moderate |
| Wyoming County | $1,175 | $1,983 | Relatively Low |
| York County | $1,028 | $1,589 | Relatively Moderate |
ZIP codes with the most flood policies
Practical next steps
Simple things Pennsylvania homeowners can do with this information.
Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.
Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.
This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.