Home Insurance in Bedford County, Pennsylvania
The median home value in Bedford County is $179,000, 30% lower than the Pennsylvania median.
The typical home in Bedford County was built around 1971. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 39% of homes were built before 1960, about 6 points below Pennsylvania's 45%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bedford County is 75% single-family homes, 4% apartments in buildings with 5+ units and 15% mobile or manufactured homes.
About 45% of owner-occupied homes in Bedford County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Bedford County are owner-occupied.
49% of homes in Bedford County are primarily heated with fuel oil. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Bedford County's top hazards are inland flooding (Relatively Moderate), hurricane (Relatively Low) and strong wind (Relatively Moderate).
As of September 2026, Bedford County has 261 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $179,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Hurricane (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 261 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
- Bedford
- Coaldale
- Everett
- Hopewell
- Hyndman
- Manns Choice
- New Paris
- Pleasantville
- Rainsburg
- Saxton
- Schellsburg
- St. Clairsville
- Woodbury
Sources
- 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)