ZIP 16422 Insurance Data

Data Snapshot: ZIP 16422 (Harmonsburg, PA)

ZIP 16422 (Harmonsburg, PA) shows an average homeowners insurance premium of $919 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 112 reported policies. That is 48% below the national average of $1,776 per year, placing this ZIP in the 3th percentile nationally. Compared to the Pennsylvania state average of $1,131, this ZIP runs 19% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

Across 5 years (2018–2022), premiums in ZIP 16422 have risen by 1.9%, ranging from $902 to $923 with a five-year average of $913 — an annualized rate of +0.5% per year. FIO data aggregates voluntary reporting from the 40 largest homeowners insurers, covering roughly 80% of the U.S. market, so figures represent market averages rather than individual policy quotes; your own premium will vary with dwelling value, deductible, coverage limits, construction type, and insurer-specific underwriting. This page is educational research only and is not insurance advice — homeowners should request quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.