Home Insurance in Frankfort Springs, Pennsylvania
The median home value in Frankfort Springs is $166,100, 13% lower than the Beaver County median.
The typical home in Frankfort Springs was built around 1944. About 55% of homes were built before 1960, in line with Beaver County (55%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Frankfort Springs, the housing stock is 83% single-family homes and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 22% of owner-occupied homes in Frankfort Springs have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Frankfort Springs has an owner-occupancy rate of 93% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Frankfort Springs, 43% of homes are primarily heated with fuel oil. Homes heated with propane and fuel oil 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 | $166,100 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 22% |
| 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)