Home Insurance in New Oxford, Pennsylvania
With a median home value of $214,000, New Oxford is 20% lower than the Adams County median.
The typical home in New Oxford was built around 1968. About 41% of homes were built before 1960, about 12 points above Adams County's 29%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in New Oxford is 68% single-family homes, 15% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
65% of owner-occupied homes in New Oxford carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
New Oxford has an owner-occupancy rate of 53% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In New Oxford, 56% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near New Oxford? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Adams County and Adams County had 340 active NFIP flood policies as of September 2026. See the full Adams County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Pennsylvania carries a statewide average premium of $1,217 per year.
Key figures
| Median home value | $214,000 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Adams County | 340 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)