Home Insurance in South Heights, Pennsylvania
Homes in South Heights carry a median value of $141,300 - 26% lower than the Beaver County median.
The typical home in South Heights was built around 1943. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 76% of homes were built before 1960, about 20 points above 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 South Heights is 86% single-family homes, 2% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
48% of owner-occupied homes in South Heights carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
South Heights has an owner-occupancy rate of 77% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in South Heights - 78% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $141,300 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)