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Flood insurance cost · Dauphin County, PA

Flood insurance cost in Dauphin County, Pennsylvania

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,068 home policies in force on August 31, 2026.

Dauphin County, PennsylvaniaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,529a year

Half of insured homes paid between $1,092 and $2,386. That is 24% more than the Pennsylvania median ($1,232). Most insured homes here are rated in zone AE (71%).

$0$1,092 · $1,529 · $2,386$2,982
+6.1% vs Aug 31, 2025 (median $1,441)
1,068home policies in force
$1,854average cost (mean)
77%of insured homes in high-risk zones (A, V)
$161,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Dauphin County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$1,901$1,334–$2,750$2,130759 (71%)+6.5%
Zone A
High risk		$1,020$819–$1,724$1,44053 (5%)+12.8%
Zone AO
High risk, shallow		$1,544$1,265–$2,097$1,70810 (1%)+8.0%
Zone X
Moderate to low risk		$1,134$802–$1,312$1,100246 (23%)+10.4%

Not shown (fewer than 10 home policies): VE, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Dauphin County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home978$1,548$1,887
2–4 unit building42$1,932$2,075
Manufactured (mobile) home41$819$1,049
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		58$4,246$4,240
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		243$5,012$6,196

Not shown (fewer than 10 policies): condo or apartment unit.

1,369NFIP policies in force, any building
1,433insured units (condo association policies count every unit)
57%of home policies also cover contents
$40,000median contents coverage, when bought

One year on: Dauphin County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force1,1371,068−6.1%
Median annual cost$1,441$1,529+6.1%
Average annual cost$1,729$1,854+7.2%
All policies in force (any building)1,4501,369−5.6%

How many homes have flood insurance?

1.2%of all homes in Dauphin County have an NFIP policy
25.6%of homes in high-risk zones (special flood hazard area) have one
96,874residential buildings counted by FEMA
3,368of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Dauphin County, Pennsylvania have filed 5,250 flood claims. 4,362 received a payment, for a total of $85.8 million (an average of $19,677 per paid claim). The year with the most claims was 2011 (1,834 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 40 claims, 23 paid, $50,590 in total1979: 244 claims, 192 paid, $425,595 in total19801981: 39 claims, 31 paid, $80,085 in total1982: 30 claims, 26 paid, $38,616 in total1983: 17 claims1984: 71 claims, 44 paid, $116,061 in total1986: 31 claims1987: 47 claims, 24 paid, $60,818 in total19901993: 86 claims, 37 paid, $189,975 in total1994: 20 claims, 15 paid, $99,903 in total1996: 1,285 claims, 1,060 paid, $12,193,849 in total19961998: 38 claims, 18 paid, $77,053 in total1999: 55 claims, 41 paid, $312,026 in total20002003: 14 claims, 10 paid, $35,027 in total2004: 963 claims, 869 paid, $14,482,370 in total20042005: 15 claims2006: 100 claims, 92 paid, $2,107,692 in total2008: 15 claims, 14 paid, $292,686 in total2010: 17 claims, 11 paid, $191,095 in total20102011: 1,834 claims, 1,637 paid, $51,673,970 in total20112013: 18 claims, 14 paid, $136,452 in total2017: 43 claims, 28 paid, $342,115 in total2018: 116 claims, 97 paid, $2,219,575 in total20202021: 37 claims, 28 paid, $330,724 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (24)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20213728$330,724$11,812
201811697$2,219,575$22,882
20174328$342,115$12,218
20131814$136,452$9,747
20111,8341,637$51,673,970$31,566
20101711$191,095$17,372
20081514$292,686$20,906
200610092$2,107,692$22,910
200515<10––
2004963869$14,482,370$16,666
20031410$35,027$3,503
19995541$312,026$7,610
19983818$77,053$4,281
19961,2851,060$12,193,849$11,504
19942015$99,903$6,660
19938637$189,975$5,134
19874724$60,818$2,534
198631<10––
19847144$116,061$2,638
198317<10––
19823026$38,616$1,485
19813931$80,085$2,583
1979244192$425,595$2,217
19784023$50,590$2,200

From 2016 to 2026: 196 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Main NFIP communities in the county

Harrisburg (315 home policies) · Susquehanna (88 home policies) · Swatara (75 home policies) · Derry (74 home policies) · Middle Paxton (73 home policies) · Middletown (56 home policies)