Home Insurance in Beaver County, Pennsylvania
With a median home value of $190,900, Beaver County is 25% lower than the Pennsylvania median.
The typical home in Beaver County was built around 1957. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 55% of homes were built before 1960, about 10 points above Pennsylvania's 45%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Beaver County is 82% single-family homes, 8% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 55% of owner-occupied homes in Beaver County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Beaver County are owner-occupied.
70% of homes in Beaver County are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Beaver County's top hazards are inland flooding (Relatively Moderate), strong wind (Relatively Moderate) and hail (Relatively Moderate).
Beaver County had 304 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Pennsylvania, the statewide average premium for a standard HO-3 homeowners policy is $1,217 per year (NAIC, 2023 data).
Key figures
| Median home value | $190,900 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Strong Wind (Relatively Moderate), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 304 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
- Aliquippa
- Ambridge
- Baden
- Beaver
- Beaver Falls
- Big Beaver
- Conway
- Darlington
- East Rochester
- Eastvale
- Economy
- Fallston
- Frankfort Springs
- Freedom
- Glasgow
- Homewood
- Hookstown
- Industry
- Koppel
- Midland
- Monaca
- New Brighton
- New Galilee
- Ohioville
- Patterson Heights
- Rochester
- Shippingport
- South Heights
- West Mayfield
Smaller communities
-
Bridgewater
- Median home value: $192,600
- Median year built: 1969
- Owner-occupied share: 58%
-
Georgetown
- Median home value: $140,600
- Median year built: 1939 or earlier
- Owner-occupied share: 86%
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)