Home Insurance in Glasgow, Pennsylvania
The median home value in Glasgow is $37,500, 80% lower than the Beaver County median.
The typical home in Glasgow was built around 1966. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 38% of homes were built before 1960, about 18 points below Beaver County's 55%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Glasgow is 78% single-family homes and 10% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 11% of owner-occupied homes in Glasgow have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Glasgow has an owner-occupancy rate of 63% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
Most homes in Glasgow - 77% - are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Glasgow? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Beaver County and 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 | $37,500 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 11% |
| 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)