Data · July 2026 data · 15-month trend
Pennsylvania Flood Insurance Costs
Pennsylvania's flood insurance cost index stood at $1,662 in July 2026, measured across policies newly written or renewed that month. Premiums there are 68.6% higher than the $986 national figure. That represents a 7.9% increase year over year. 3,388 policies were written or renewed statewide that month; Clarion County was the priciest county at $5,727 on average.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — July 2026
- Average premium
- $1,662
- Avg total cost (with fees)
- $2,095
- Change (year over year)
- +7.9%
- vs national average
- +68.6%
- Policies written or renewed
- 3,388
- Counties reporting
- 67
Pennsylvania trend, last 15 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $1,258 | $1,600 | 3,937 | |
| June 2025 | $1,551 | $1,970 | 3,466 | |
| July 2025 | $1,540 | $1,951 | 3,550 | |
| August 2025 | $1,305 | $1,666 | 4,184 | |
| September 2025 | $1,417 | $1,802 | 4,026 | |
| October 2025 | $1,291 | $1,644 | 4,494 | |
| November 2025 | $1,420 | $1,812 | 3,272 | |
| December 2025 | $1,632 | $2,074 | 3,131 | |
| January 2026 | $1,610 | $2,042 | 2,894 | |
| February 2026 | $1,670 | $2,117 | 3,208 | |
| March 2026 | $1,535 | $1,953 | 3,708 | |
| April 2026 | $1,614 | $2,041 | 3,033 | |
| May 2026 | $1,376 | $1,741 | 3,777 | |
| June 2026 | $1,648 | $2,085 | 3,251 | |
| July 2026 | $1,662 | $2,095 | 3,388 |
County breakdown — July 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Clarion County | $5,727 | $6,942 | 6 | |
| Mifflin County | $4,164 | $5,063 | 26 | |
| Northampton County | $3,451 | $4,226 | 60 | |
| Fayette County | $2,598 | $3,250 | 16 | |
| Tioga County | $2,520 | $3,125 | 17 | |
| Dauphin County | $2,438 | $3,047 | 139 | |
| Lackawanna County | $2,383 | $2,966 | 101 | |
| Perry County | $2,286 | $2,853 | 19 | |
| Allegheny County | $2,179 | $2,740 | 222 | |
| Greene County | $2,129 | $2,584 | 5 | |
| Susquehanna County | $2,114 | $2,704 | 23 | |
| Adams County | $2,092 | $2,623 | 30 | |
| Wyoming County | $2,049 | $2,564 | 15 | |
| Beaver County | $1,948 | $2,435 | 14 | |
| Union County | $1,922 | $2,415 | 15 | |
| York County | $1,856 | $2,337 | 45 | |
| Lancaster County | $1,839 | $2,313 | 82 | |
| Armstrong County | $1,834 | $2,303 | 20 | |
| Cumberland County | $1,830 | $2,288 | 63 | |
| Montgomery County | $1,821 | $2,280 | 233 | |
| Washington County | $1,820 | $2,269 | 50 | |
| Carbon County | $1,813 | $2,278 | 17 | |
| Crawford County | $1,808 | $2,300 | 33 | |
| Venango County | $1,777 | $2,217 | 14 | |
| Monroe County | $1,773 | $2,241 | 38 | |
| Lawrence County | $1,750 | $2,250 | 6 | |
| Forest County | $1,690 | $2,066 | 1 | |
| Jefferson County | $1,670 | $2,117 | 18 | |
| Fulton County | $1,668 | $2,086 | 5 | |
| Westmoreland County | $1,667 | $2,090 | 70 | |
| Sullivan County | $1,664 | $2,100 | 7 | |
| Schuylkill County | $1,654 | $2,066 | 85 | |
| Lycoming County | $1,654 | $2,056 | 69 | |
| Franklin County | $1,644 | $2,059 | 24 | |
| Wayne County | $1,555 | $2,020 | 22 | |
| Pike County | $1,551 | $1,952 | 18 | |
| Berks County | $1,536 | $1,950 | 58 | |
| Columbia County | $1,522 | $1,922 | 46 | |
| Bucks County | $1,519 | $1,903 | 284 | |
| Warren County | $1,498 | $1,880 | 17 | |
| McKean County | $1,461 | $1,848 | 13 | |
| Delaware County | $1,430 | $1,822 | 112 | |
| Montour County | $1,377 | $1,711 | 11 | |
| Cambria County | $1,350 | $1,758 | 46 | |
| Northumberland County | $1,336 | $1,705 | 44 | |
| Bedford County | $1,314 | $1,658 | 19 | |
| Philadelphia County | $1,279 | $1,638 | 171 | |
| Butler County | $1,252 | $1,577 | 32 | |
| Bradford County | $1,226 | $1,577 | 27 | |
| Clearfield County | $1,223 | $1,555 | 17 | |
| Potter County | $1,218 | $1,565 | 8 | |
| Luzerne County | $1,217 | $1,566 | 379 | |
| Snyder County | $1,208 | $1,535 | 18 | |
| Somerset County | $1,205 | $1,559 | 21 | |
| Juniata County | $1,193 | $1,480 | 7 | |
| Centre County | $1,192 | $1,524 | 40 | |
| Lehigh County | $1,187 | $1,502 | 57 | |
| Cameron County | $1,175 | $1,487 | 8 | |
| Indiana County | $1,141 | $1,461 | 16 | |
| Clinton County | $1,134 | $1,444 | 33 | |
| Blair County | $1,128 | $1,444 | 54 | |
| Huntingdon County | $1,070 | $1,431 | 21 | |
| Erie County | $1,047 | $1,360 | 30 | |
| Chester County | $1,023 | $1,320 | 126 | |
| Lebanon County | $1,018 | $1,321 | 24 | |
| Elk County | $998 | $1,299 | 9 | |
| Mercer County | $673 | $942 | 12 |
Use this data
Download Pennsylvania CSV (pennsylvania.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (NFIP Redacted Policies v3).
"Pennsylvania Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, July 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/pennsylvania
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.