Home Insurance in New Paris, Pennsylvania
The median home value in New Paris is $106,800, 40% lower than the Bedford County median.
The median home in New Paris was built in 1939 or earlier. About 79% of homes were built before 1960, about 40 points above Bedford County's 39%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In New Paris, the housing stock is 79% single-family homes, 11% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
69% of owner-occupied homes in New Paris carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 64% of occupied homes in New Paris are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
65% of homes in New Paris are primarily heated with fuel oil. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Bedford County had 261 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). See the full Bedford 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 | $106,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Bedford County | 261 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Nearby towns
- Schellsburg
- Pleasantville
- St. Clairsville
- Manns Choice
- Central City
- Bedford
- New Baltimore
- Indian Lake
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)