Home Insurance in New Brighton, Pennsylvania
Homes in New Brighton carry a median value of $109,200 - 43% lower than the Beaver County median.
The median home in New Brighton was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 73% of homes were built before 1960, about 17 points above Beaver County's 55%.
The housing stock in New Brighton is 60% single-family homes and 22% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 64% of owner-occupied homes in New Brighton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
New Brighton has an owner-occupancy rate of 49% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In New Brighton, 75% 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Pennsylvania carries a statewide average premium of $1,217 per year.
Key figures
| Median home value | $109,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)