Home Insurance in Rochester, Pennsylvania
The median home value in Rochester is $116,800, 39% lower than the Beaver County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Rochester was built in 1939 or earlier. About 70% of homes were built before 1960, about 14 points above Beaver County's 55%.
The housing stock in Rochester is 61% single-family homes and 28% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 49% of owner-occupied homes in Rochester have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Rochester has an owner-occupancy rate of 43% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Rochester - 68% - 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 | $116,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)