Home Insurance in Beaver Falls, Pennsylvania
With a median home value of $92,100, Beaver Falls is 52% 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 Beaver Falls was built in 1939 or earlier. About 82% of homes were built before 1960, about 27 points above Beaver County's 55%.
In Beaver Falls, the housing stock is 68% single-family homes and 14% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
47% of owner-occupied homes in Beaver Falls carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 55% of occupied homes in Beaver Falls are owner-occupied.
In Beaver Falls, 85% of homes 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.
The statewide average premium for a standard HO-3 homeowners policy in Pennsylvania is $1,217 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $92,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)