Pennsylvania Homeowners Insurance

U.S. Treasury FIO data for 1,517 ZIP codes in Pennsylvania (PA).

The verdict

According to U.S. Treasury FIO filings, Pennsylvania ranks #51 of 51 by average premium ($1,131/yr) ≠ #47 of 50 by nonrenewal (0.60%). Cost rank is not withdrawal rank.

$1,131
State avg premium (#51 of 51)
#47
Nonrenewal of 50 (0.60%)
19035
In-state premium ZIP #1 ($5,490)
15680
In-state nonrenewal ZIP #1 (2.99%)

Premium rank counts states with a reported average premium, highest first, abbreviation tiebreak. Nonrenewal rank counts states that publish a rate. In-state ZIP #1s are separate extracts.

Pennsylvania vs all states by ZIP-mean homeowners premium

Where this state's average ZIP premium sits among every state that reports one (lower is better for homeowners)

$1,131 Among the lowest premiums lower premium than 98% of 51 states

States, banded by ZIP-mean annual homeowners premium (FIO)

Each bar is a $0.001K-wide band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source U.S. Treasury FIO Homeowners Insurance Markets Report · 2018–2022

Homeowners in Pennsylvania pay an average of $1,131 per year for home insurance - 36% below the national average of $1,776. That ranks Pennsylvania as the 51st most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums rose by 2.6%; nonrenewal rates declined by 12.1% over the same period.

On five-year premium growth (2018–2022), Pennsylvania ranks 38th out of 51 states. Its nonrenewal rate (0.60%) ranks 47th out of 50 - nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.

According to the U.S. Department of the Treasury, Federal Insurance Office - "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for how the state rank and comparison are calculated.

How Pennsylvania Compares

vs National Average
$1,131 vs $1,776
36% below national avg
Rank Among States
51st of 51
most expensive for homeowners insurance
Loss Ratio vs National
47.9% vs 58.0%
insurers retain more margin here
Avg Premium
$1,131/yr
National avg: $1,776 (-36% below)
Premium Change
+2.6%
2018-2022 change
Avg Loss Ratio
47.9%
Claims paid vs premiums earned
Nonrenewal Rate
0.60%
-12.1% change

Data Snapshot: Pennsylvania Homeowners Insurance

Across the 1,517 Pennsylvania ZIP codes in the U.S. Treasury FIO data, the average annual home insurance premium is $1,131. That is an average of ZIP codes, in which a ZIP of a few hundred people counts the same as one of tens of thousands. Weighting each ZIP by its population, closer to what a typical Pennsylvania homeowner pays, gives $1,469 per year. That is 36% below the national average of $1,776 per year reported by the Federal Insurance Office. Pennsylvania ranks 51st most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $712 in 18056 to $5,490 in 19035.

Between 2018 and 2022, average premiums rose by 2.6% in Pennsylvania, placing the state 38th nationally on five-year premium growth. The state-level loss ratio averaged 47.9%, meaning insurers retained a healthy margin after claims, typical of stable markets. Nonrenewal rates, the share of policies insurers decline to extend at expiration, averaged 0.60% across the ZIP codes that report one (81% of the state's ZIP codes; those without a published rate are smaller and higher-premium on average, so this figure is likely conservative), a decline of 12.1% over the study period (ranking 47th out of 50 states).

Within Pennsylvania, premium dispersion across ZIP codes is substantial: the most expensive ZIP (19035 in Gladwyne) charges 671% more than the least expensive (18056 in Hereford), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is a FIO registry extract, not a quote or a recommendation.

How to read these figures: state averages on this page are computed from U.S. Treasury Federal Insurance Office data, which the office collects directly from the largest homeowners insurers and reports at the ZIP-code level. A statewide average blends expensive coastal and wildfire-exposed markets with lower-cost inland areas, so the figure is a useful benchmark but will understate what some residents pay and overstate what others pay. The loss ratio is the share of every premium dollar that insurers returned as claims; sustained ratios near or above one signal a market under pressure, where rate increases, tighter underwriting, or nonrenewals tend to follow. Claim frequency and nonrenewal rates show how often policies result in claims and how often insurers decline to renew, both of which track local catastrophe exposure. Treat the state number as a registry average, then open the ZIP table below for the same filing year's local premium and nonrenewal extracts.

Loss Ratio Reading: Pennsylvania

0%150%48%

Pennsylvania statewide - FIO 2018-2022 average: 48% (Insurer-favorable) - low claim payout, insurer retains a healthy margin.

ZIP Codes Tracked

1,517

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Year Avg Premium Median Premium
2018 $1,102 $985
2019 $1,102 (-0.0%) $988
2020 $1,107 (+0.5%) $991
2021 $1,117 (+0.8%) $1,001
2022 $1,131 (+1.3%) $1,015

Average premium in Pennsylvania, 2018–2022

$1,100$1,110$1,120$1,130$1,140 20182019202020212022 $1,131
Average homeowners premium per year in Pennsylvania.

All ZIP Codes in Pennsylvania

1,517 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP City Premium
19035 Gladwyne $5,490
19041 Haverford $4,762
19437 Gwynedd Valley $4,622
19085 Villanova $4,562
19103 Philadelphia $4,382
19106 Philadelphia $4,038
18357 Skytop $3,957
18913 Carversville $3,509
19066 Merion Station $3,368
19118 Philadelphia $3,334
18950 Point Pleasant $3,300
19010 Bryn Mawr $3,283
19009 Bryn Athyn $3,213
18912 Buckingham $3,087
19072 Narberth $2,904
18920 Erwinna $2,889
15232 Pittsburgh $2,874
18938 New Hope $2,855
19096 Wynnewood $2,704
19333 Devon $2,645
18323 Buck Hill Falls $2,620
19107 Philadelphia $2,552
19004 Bala Cynwyd $2,525
19317 Chadds Ford $2,476
19477 Spring House $2,462
19312 Berwyn $2,425
18977 Washington Crossing $2,382
15142 Presto $2,345
18471 Waverly $2,344
19087 Wayne $2,341
19119 Philadelphia $2,331
19073 Newtown Square $2,314
18980 Wycombe $2,288
19034 Fort Washington $2,250
18940 Newtown $2,246
18602 Bear Creek $2,214
19046 Jenkintown $2,192
19027 Elkins Park $2,175
19144 Philadelphia $2,161
19006 Huntingdon Valley $2,150
19095 Wyncote $2,145
18925 Furlong $2,141
19104 Philadelphia $2,135
19126 Philadelphia $2,127
19355 Malvern $2,098
19131 Philadelphia $2,079
19373 Thornton $2,075
19422 Blue Bell $2,069
19002 Ambler $2,066
18954 Richboro $2,039

Natural-hazard context (FEMA NRI)

County National Risk Index scores joined to Pennsylvania ZIP codes in the same FIO filing year. This is hazard and vulnerability context from FEMA, not a premium driver table and not a quote.

Mean county risk score
78.2
15th of 50 states by mean score · national mean 69.3
Counties joined
67
Distinct county FIPS on Pennsylvania FIO ZIPs
Most common top hazard
Hurricane
20 of 67 counties
Highest FEMA NRI counties in Pennsylvania
County Risk score Rating Top hazard
Philadelphia 99.6 Very High Heat Wave
Allegheny 98.1 Relatively High Cold Wave
Montgomery 96.8 Relatively High Cold Wave
Counties with elevated FEMA hazard ratings in Pennsylvania
Hazard Elevated counties Share of joined
Winter weather 25 37%
Flooding 15 22%
Tornado 6 9%
Hurricane 2 3%
Earthquake 1 1%
Hail 1 1%

Elevated = FEMA Relatively High or Very High rating on that hazard column. Ratings are independent per hazard; a county can appear in more than one row.

Source: FEMA National Risk Index · research board: top counties by NRI score.

Nationwide states with similar insurance profiles

Two FIO peer sets for Pennsylvania: nearest other states by average homeowners premium and by statewide nonrenewal rate. These are cross-state neighborhoods, not the in-state ZIP table above.

Similar average premium

Nearest states by average homeowners premium ($1,131/yr here).

Similar nonrenewal rate

Nearest states by average nonrenewal rate (0.60% here).

Frequently Asked Questions

What is the average homeowners insurance cost in Pennsylvania?
Averaged across the 1,517 Pennsylvania ZIP codes in the U.S. Treasury FIO data, the annual homeowners premium is $1,131 ($1,469 when each ZIP is weighted by population, which is closer to what a typical homeowner pays). This is 36% below the national average of $1,776.
How have insurance premiums changed in Pennsylvania?
Pennsylvania homeowners insurance premiums changed by +2.6% between 2018 and 2022. The average loss ratio is 47.9%, meaning insurers pay out that percentage of earned premiums in claims.
Which ZIP code has the most expensive insurance in Pennsylvania?
The most expensive ZIP code for homeowners insurance in Pennsylvania is 19035, with an average premium of $5,490/yr. The most affordable is 18056 at $712/yr.
What is the nonrenewal rate for Pennsylvania homeowners insurance?
Averaged across the Pennsylvania ZIP codes that report one (81% of the state's ZIP codes), the nonrenewal rate is 0.60%. This rate has changed by -12.1% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 15680 has the highest nonrenewal rate in the state at 2.99%.
What is a loss ratio and what does Pennsylvania's mean?
A loss ratio measures how much an insurer pays out in claims compared to premiums collected. Pennsylvania's average loss ratio is 47.9%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.
How often do homeowners file insurance claims in Pennsylvania?
The average claim frequency in Pennsylvania is 3.90%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $13,985. Higher claim frequency and severity typically correlate with higher premiums.
What natural hazards drive risk in Pennsylvania?
Across 67 FEMA National Risk Index counties that join to Pennsylvania ZIP codes in the FIO file, the mean county risk score is 78.2 (13% above the 50-state mean of 69.3). The most common county-level top hazard is Hurricane (20 of 67 counties). Elevated (Relatively High or Very High) county ratings concentrate in Winter weather (25), Flooding (15), Tornado (6). NRI scores are county hazard/vulnerability context from FEMA; they are not premiums and are not a quote.

Pennsylvania in the FIO registry

State averages sit next to ZIP-level premium and nonrenewal extracts from the same filing year.

  • Pennsylvania ZIP premiums and nonrenewal rates in the same table. ZIP table
  • National premium board versus the population-floored nonrenewal board. Rankings
  • How competition ranks and dual boards are derived. Methodology

State figures are five-year ZIP-level averages from U.S. Treasury FIO data, a benchmark, not a quote for any individual home.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

Source data: U.S. Treasury FIO · FEMA National Risk Index · NOAA Storm Events. See our methodology.

Every figure on PlainInsure is rendered directly from U.S. Treasury Federal Insurance Office data, no number is typed in by an editor. This state's figures are rendered directly from U.S. Treasury FIO data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.