Home Insurance in Big Beaver, Pennsylvania
Homes in Big Beaver carry a median value of $186,100 - close to the Beaver County median.
The typical home in Big Beaver was built around 1962. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 47% of homes were built before 1960, about 8 points below Beaver County's 55%.
In Big Beaver, the housing stock is 90% single-family homes and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
54% of owner-occupied homes in Big Beaver carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 95% of occupied homes in Big Beaver are owner-occupied.
In Big Beaver, 40% of homes are primarily heated with natural gas. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Beaver County had 304 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). 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 | $186,100 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)