Home Insurance in Baden, Pennsylvania
The median home value in Baden is $150,400, 21% lower than the Beaver County median.
The typical home in Baden was built around 1952. About 77% of homes were built before 1960, about 22 points above Beaver County's 55%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Baden is 81% single-family homes and 17% apartments in buildings with 5+ units.
About 49% of owner-occupied homes in Baden have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Baden has an owner-occupancy rate of 74% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Baden, 87% of homes are primarily heated with natural gas.
Beaver County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $150,400 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)