Homeowners insurance cost in Pennsylvania by county
Historical county budgeting benchmarks built from a statewide NAIC average, county median home values, and bounded FEMA risk adjustments—not carrier quotes.
Pennsylvania overview
Across 67 published counties, the average modeled budget is $1,356/yr, with county estimates ranging from $393 to $3,079 per year.
Low confidence The baseline is the 2022 NAIC HO-3 state average of $1,120/yr. FEMA risk is a relative signal, not insurer underwriting.
County insurance budgets
| County | Median home | FEMA risk percentile | Insurance budget |
|---|---|---|---|
| Adams County | $268,500 | 67.53 (Relatively Low) | $1,696/yr |
| Allegheny County | $227,600 | 98.09 (Relatively High) | $1,746/yr |
| Armstrong County | $157,300 | 69.34 (Relatively Low) | $1,006/yr |
| Beaver County | $190,900 | 75.32 (Relatively Low) | $1,272/yr |
| Bedford County | $179,000 | 68.23 (Relatively Low) | $1,136/yr |
| Berks County | $257,300 | 92.72 (Relatively Moderate) | $1,912/yr |
| Blair County | $161,100 | 77.67 (Relatively Low) | $1,090/yr |
| Bradford County | $187,500 | 73.12 (Relatively Low) | $1,231/yr |
| Bucks County | $445,700 | 94.78 (Relatively High) | $3,042/yr |
| Butler County | $294,200 | 79.26 (Relatively Low) | $2,011/yr |
| Cambria County | $121,000 | 76.43 (Relatively Low) | $812/yr |
| Cameron County | $88,900 | 12.63 (Very Low) | $393/yr |
| Carbon County | $211,400 | 59.41 (Relatively Low) | $1,259/yr |
| Centre County | $323,500 | 67.97 (Relatively Low) | $2,049/yr |
| Chester County | $485,600 | 91.86 (Relatively Moderate) | $2,990/yr |
| Clarion County | $155,700 | 30.03 (Very Low) | $725/yr |
| Clearfield County | $137,000 | 67.11 (Relatively Low) | $863/yr |
| Clinton County | $175,900 | 51.78 (Relatively Low) | $988/yr |
| Columbia County | $206,200 | 62.05 (Relatively Low) | $1,252/yr |
| Crawford County | $153,200 | 76.02 (Relatively Low) | $1,025/yr |
| Cumberland County | $277,600 | 86.2 (Relatively Moderate) | $1,983/yr |
| Dauphin County | $236,400 | 91.06 (Relatively Moderate) | $1,740/yr |
| Delaware County | $332,200 | 92.91 (Relatively Moderate) | $2,472/yr |
| Elk County | $133,600 | 45.2 (Relatively Low) | $712/yr |
| Erie County | $177,000 | 84.1 (Relatively Moderate) | $1,248/yr |
| Fayette County | $143,200 | 82.22 (Relatively Moderate) | $998/yr |
| Forest County | $115,300 | 19.91 (Very Low) | $485/yr |
| Franklin County | $249,800 | 76.4 (Relatively Low) | $1,676/yr |
| Fulton County | $208,500 | 7.76 (Very Low) | $765/yr |
| Greene County | $153,900 | 55.12 (Relatively Low) | $887/yr |
| Huntingdon County | $183,200 | 50.25 (Relatively Low) | $1,017/yr |
| Indiana County | $152,800 | 63.71 (Relatively Low) | $939/yr |
| Jefferson County | $139,700 | 57.89 (Relatively Low) | $823/yr |
| Juniata County | $217,000 | 38.8 (Very Low) | $1,094/yr |
| Lackawanna County | $201,800 | 89.92 (Relatively Moderate) | $1,475/yr |
| Lancaster County | $301,100 | 95.04 (Relatively High) | $2,269/yr |
| Lawrence County | $147,200 | 66.13 (Relatively Low) | $921/yr |
| Lebanon County | $242,000 | 79.9 (Relatively Low) | $1,661/yr |
| Lehigh County | $300,400 | 93.89 (Relatively Moderate) | $2,248/yr |
| Luzerne County | $174,100 | 91.63 (Relatively Moderate) | $1,286/yr |
| Lycoming County | $202,200 | 79.58 (Relatively Low) | $1,385/yr |
| McKean County | $104,500 | 53.78 (Relatively Low) | $596/yr |
| Mercer County | $164,000 | 77.74 (Relatively Low) | $1,110/yr |
| Mifflin County | $156,700 | 69.27 (Relatively Low) | $1,002/yr |
| Monroe County | $267,600 | 85.08 (Relatively Moderate) | $1,898/yr |
| Montgomery County | $436,700 | 96.82 (Relatively High) | $3,079/yr |
| Montour County | $248,100 | 14.66 (Very Low) | $986/yr |
| Northampton County | $308,600 | 90.01 (Relatively Moderate) | $2,256/yr |
| Northumberland County | $162,400 | 79.17 (Relatively Low) | $1,109/yr |
| Perry County | $236,400 | 53.12 (Relatively Low) | $1,342/yr |
| Philadelphia County | $243,100 | 99.59 (Very High) | $1,881/yr |
| Pike County | $272,600 | 65.87 (Relatively Low) | $1,702/yr |
| Potter County | $153,100 | 28.15 (Very Low) | $700/yr |
| Schuylkill County | $153,000 | 85.31 (Relatively Moderate) | $1,087/yr |
| Snyder County | $215,300 | 54.29 (Relatively Low) | $1,233/yr |
| Somerset County | $150,600 | 64.22 (Relatively Low) | $929/yr |
| Sullivan County | $197,100 | 10.72 (Very Low) | $749/yr |
| Susquehanna County | $216,400 | 53.59 (Relatively Low) | $1,233/yr |
| Tioga County | $181,100 | 59.76 (Relatively Low) | $1,081/yr |
| Union County | $240,100 | 55.25 (Relatively Low) | $1,386/yr |
| Venango County | $119,800 | 55.6 (Relatively Low) | $693/yr |
| Warren County | $127,500 | 65.55 (Relatively Low) | $794/yr |
| Washington County | $228,500 | 83.08 (Relatively Moderate) | $1,601/yr |
| Wayne County | $242,100 | 56.33 (Relatively Low) | $1,409/yr |
| Westmoreland County | $203,500 | 87.85 (Relatively Moderate) | $1,469/yr |
| Wyoming County | $215,400 | 44.78 (Relatively Low) | $1,143/yr |
| York County | $248,600 | 90.43 (Relatively Moderate) | $1,822/yr |
Sources and limitations
Data as of 2022-12-31; FEMA version 1.20; data version 2024.1.
Sources: NAIC Homeowners Insurance Report; FEMA National Risk Index; U.S. Census ACS county median home values.
Read the insurance and PITI methodology
Insurance disclaimer: Estimate for budgeting only — not an insurance quote and not a binding price. Verify with the county assessor and a licensed professional before making financial decisions.