Homeowners Insurance in Philadelphia, PA

For a home at Philadelphia's median value of $243,100, we estimate about $1,200 a year — −1% versus the Pennsylvania NAIC average of $1,217.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Philadelphia

Est. premium

$1,200

$100/mo · median home

Median home value

$243,100

Pennsylvania: $254,500

Median year built

1949

Census ACS

Owner-occupied

51.8%

of households

Hazard score

89.4

state ref. 85.5

Philadelphia's estimate reflects its home values (4% lower than the state median) and FEMA's hazard profile for Philadelphia County. Many homes here are older, so roof age, wiring and plumbing updates can matter a lot at underwriting.

Natural hazard risk in Philadelphia

FEMA National Risk Index — Philadelphia County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively High	95.1	Comprehensive (car); roof claims (home)
Tornado	Relatively High	98.7	Comprehensive; dwelling
Hurricane	Relatively High	94.3	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Very High	99.6	Comprehensive; home needs a separate flood policy
Coastal flooding	Relatively High	85.4	Comprehensive; home needs a separate flood policy
Strong wind	Relatively High	97.9	Comprehensive; dwelling
Winter weather	Very High	99.8	Collision (icy roads); frozen pipes (home)
Wildfire	Very Low	28.7	Comprehensive; dwelling
Earthquake	Relatively High	98.3	Home needs a separate earthquake policy
Lightning	Relatively High	96.3	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Philadelphia

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,025	$945
$300,000	$1,420	$1,305
$500,000	$2,135	$1,965
$750,000	$2,955	$2,720

Home Insurance Estimator

Estimated annual premium

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Per month

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Homeowners insurance by ZIP code in Philadelphia

ZIP	Median home value	Owner-occupied	Est. premium
19124	$161,800	62.3%	$865
19120	$155,500	70.1%	$840
19111	$253,700	54.4%	$1,240
19143	$177,000	46.7%	$930
19149	$211,000	56.6%	$1,070
19104	$266,600	16.9%	$1,290
19134	$135,400	54.3%	$750
19140	$107,300	55.6%	$625
19144	$238,700	37.2%	$1,185
19148	$307,000	65.8%	$1,445
19131	$178,500	44.4%	$935
19145	$306,200	57.3%	$1,445
19139	$133,900	38.8%	$745
19121	$266,700	31.9%	$1,295
19146	$461,000	51.2%	$2,005
19147	$530,900	53.3%	$2,240
19128	$353,500	57.9%	$1,620
19136	$226,100	57.5%	$1,135
19152	$293,700	60.7%	$1,395
19115	$345,000	62.8%	$1,590
19135	$196,600	63.2%	$1,015
19154	$291,600	80.4%	$1,390
19116	$346,600	61.4%	$1,595
19151	$194,700	60.1%	$1,005
19132	$81,400	48.9%	$500
19141	$164,000	49.7%	$875
19138	$177,000	70.9%	$930
19114	$293,500	63.3%	$1,395
19130	$491,800	37.5%	$2,110
19142	$121,100	45.9%	$685
19119	$371,300	62.8%	$1,685
19103	$582,500	30.7%	$2,415
19122	$349,800	31.9%	$1,605
19125	$392,400	58.6%	$1,760
19133	$89,500	43.1%	$540
19150	$236,300	78.4%	$1,175
19123	$539,500	35.1%	$2,270
19126	$225,100	61.2%	$1,130
19107	$458,600	16.2%	$1,995
19106	$517,900	45.3%	$2,200
19153	$200,100	52.3%	$1,025
19129	$323,600	48.5%	$1,510
19118	$718,300	50.7%	$2,855
19137	$227,500	87.8%	$1,140
19102	$479,000	19.9%	$2,065
19127	$352,500	43.0%	$1,615

Homeowners insurance in Pennsylvania · Car insurance in Philadelphia · Insurance offices near Philadelphia

Frequently asked questions

How much is homeowners insurance in Philadelphia?

For a home at Philadelphia's median value of $243,100, we estimate about $1,200 a year for a standard HO-3 policy with a $1,000 deductible. The Pennsylvania NAIC average is $1,217.

What are the biggest natural hazards in Philadelphia?

FEMA's National Risk Index rates Philadelphia County relatively high or very high for hail, tornado, hurricane, inland (river) flooding, coastal flooding, strong wind, winter weather, earthquake, and lightning.

Does the age of homes in Philadelphia affect insurance?

Yes. The median home in Philadelphia was built in 1949 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for Pennsylvania, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Philadelphia County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page