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Flood insurance cost · Lebanon County, PA

Flood insurance cost in Lebanon County, Pennsylvania

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 220 home policies in force on August 31, 2026.

Lebanon County, PennsylvaniaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,198a year

Half of insured homes paid between $930 and $1,545. That is 3% less than the Pennsylvania median ($1,232). Most insured homes here are rated in zone AE (54%).

$0$930 · $1,198 · $1,545$1,931
+16.0% vs Aug 31, 2025 (median $1,033)
220home policies in force
$1,477average cost (mean)
63%of insured homes in high-risk zones (A, V)
$218,000median 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 Lebanon 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		$1,409$1,104–$2,148$1,805119 (54%)+9.1%
Zone A
High risk		$1,148$964–$1,824$1,61020 (9%)+16.0%
Zone X
Moderate to low risk		$975$696–$1,205$96181 (37%)+11.0%

Not shown (fewer than 10 home policies): VE, AO, 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 Lebanon County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home208$1,192$1,471
2–4 unit building10$1,316$1,635
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		52$2,586$3,236

Not shown (fewer than 10 policies): manufactured (mobile) home, condo or apartment unit, whole residential building (5+ units or condo association).

275NFIP policies in force, any building
275insured units (condo association policies count every unit)
74%of home policies also cover contents
$76,000median contents coverage, when bought

One year on: Lebanon 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 force235220−6.4%
Median annual cost$1,033$1,198+16.0%
Average annual cost$1,345$1,477+9.8%
All policies in force (any building)289275−4.8%

How many homes have flood insurance?

0.4%of all homes in Lebanon County have an NFIP policy
29.3%of homes in high-risk zones (special flood hazard area) have one
51,580residential buildings counted by FEMA
477of 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 Lebanon County, Pennsylvania have filed 1,014 flood claims. 847 received a payment, for a total of $16.0 million (an average of $18,843 per paid claim). The year with the most claims was 1979 (322 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 105 claims, 72 paid, $92,717 in total19781979: 322 claims, 282 paid, $711,472 in total197919801983: 17 claims, 11 paid, $32,108 in total19901993: 16 claims, 12 paid, $76,552 in total1996: 29 claims, 25 paid, $298,665 in total2000: 10 claims20002004: 51 claims, 43 paid, $981,573 in total2006: 45 claims, 42 paid, $1,182,255 in total20102011: 277 claims, 252 paid, $10,583,722 in total20112013: 12 claims, 10 paid, $179,430 in total2018: 44 claims, 33 paid, $1,278,561 in total20202021: 13 claims, 10 paid, $253,101 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 (12)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20211310$253,101$25,310
20184433$1,278,561$38,744
20131210$179,430$17,943
2011277252$10,583,722$41,999
20064542$1,182,255$28,149
20045143$981,573$22,827
200010<10––
19962925$298,665$11,947
19931612$76,552$6,379
19831711$32,108$2,919
1979322282$711,472$2,523
197810572$92,717$1,288

From 2016 to 2026: 57 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

Lebanon (46 home policies) · North Cornwall (23 home policies) · Annville (22 home policies) · South Londonderry (17 home policies) · South Lebanon (16 home policies) · Bethel (12 home policies)