Home Insurance in Ambridge, Pennsylvania
The median home value in Ambridge is $98,200, 49% lower than the Beaver County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Ambridge was built in 1939 or earlier. About 88% of homes were built before 1960, about 32 points above Beaver County's 55%.
In Ambridge, the housing stock is 68% single-family homes, 15% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 53% of owner-occupied homes in Ambridge have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Ambridge has an owner-occupancy rate of 47% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
83% of homes in Ambridge are primarily heated with natural gas.
FEMA rates Beaver County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Beaver County had 304 active NFIP flood policies as of September 2026. See the full Beaver County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners 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 | $98,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Beaver County | 304 |
| 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)