Home Insurance in South Bethlehem, Pennsylvania
Homes in South Bethlehem carry a median value of $109,400 - 30% lower than the Armstrong County median.
The typical home in South Bethlehem was built around 1941. About 74% of homes were built before 1960, about 23 points above Armstrong County's 51%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In South Bethlehem, the housing stock is 90% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
47% of owner-occupied homes in South Bethlehem carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
South Bethlehem has an owner-occupancy rate of 63% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
90% of homes in South Bethlehem are primarily heated with natural gas.
FEMA rates Armstrong County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Armstrong County had 247 active NFIP flood policies as of September 2026. See the full Armstrong County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $109,400 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Armstrong County | 247 |
| 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)