Home Insurance in Woodbury, Pennsylvania
Homes in Woodbury carry a median value of $159,900 - 11% lower than the Bedford County median.
The typical home in Woodbury was built around 1948. About 59% of homes were built before 1960, about 19 points above Bedford County's 39%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Woodbury, the housing stock is 97% single-family homes.
In Woodbury, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 83% of occupied homes in Woodbury are owner-occupied.
Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Woodbury - 65% - are primarily heated with fuel oil.
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 | $159,900 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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
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)