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Home insurance & flood costs in ZIP 18944 (Perkasie, PA)

Plain facts for homeowners in Perkasie: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 18944 at a glance

Four numbers most homeowners ask about first.

$1,397
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

$984
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.13%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

4.1%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 18944 in numbers
$15,728
average paid claim (2022)
+5%
premium change 2018–2022, after inflation
0.71%
cancelled by insurers mid-term (2022)
45
single-family NFIP policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The average premium per policy in ZIP 18944 was $1,397 in 2022, 17% below the Bucks County typical ZIP ($1,687) and 10% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 5% between 2018 and 2022. About 4.1% of policies here had a paid claim in 2022, and insurers chose not to renew 0.13% of policies.

Bucks County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 18944BucksU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 18944 in 2025 cost $984, based on 45 policies, compared with $824 in 2022. About 11% of them are for homes in high-risk A or V zones.

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

45 policies
A zones 11%X/B/C zones 89%V zones 0%

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for Bucks County

The chart shows the share of homeowners policies in ZIP 18944 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Bucks County are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Winter weather99 · Very High
  • Ice storm99 · Very High
  • Inland flooding97 · Relatively High
  • Heat wave95 · Relatively Moderate
  • Strong wind94 · Relatively High

Other ZIP codes in Bucks County

Average premium per policy in 2022 (Treasury FIO). Showing 12 of 26; see the county page for all.

18901 Doylestown · $1,73218902 Doylestown · $2,02818914 Chalfont · $1,56218925 Furlong · $2,14118929 Jamison · $1,86718938 New Hope · $2,85518940 Newtown · $2,24618947 Pipersville · $1,97518951 Quakertown · $1,20018954 Richboro · $2,03918960 Sellersville · $1,22818966 Southampton · $1,735

Practical next steps

Simple things homeowners in ZIP 18944 can do with this information.

Plan for heat and dry spells. Long dry periods can stress foundations and landscaping. Regular checks of your HVAC system and foundation can catch small problems before they become claims.
Prepare for freezing weather. Burst pipes are a common winter claim. Insulating exposed pipes, keeping heat on while away and knowing where your main water shut-off is all help.
Know that earthquake damage is separate. Standard homeowners policies exclude earthquakes. If shaking is a concern where you live, ask about a separate earthquake policy or endorsement and its deductible.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.