Home Insurance in Midland, Pennsylvania
With a median home value of $90,500, Midland is 53% lower than the Beaver County median.
The typical home in Midland was built around 1944. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 84% of homes were built before 1960, about 29 points above Beaver County's 55%.
In Midland, the housing stock is 64% single-family homes and 12% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Midland, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Midland are owner-occupied.
Most homes in Midland - 89% - are primarily heated with natural gas.
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.
In Pennsylvania, the statewide average premium for a standard HO-3 homeowners policy is $1,217 per year (NAIC, 2023 data).
Key figures
| Median home value | $90,500 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)