Home Insurance in Bristol, Pennsylvania
With a median home value of $271,100, Bristol is 39% lower than the Bucks County median.
The median home in Bristol was built in 1939 or earlier. About 75% of homes were built before 1960, about 46 points above Bucks County's 30%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Bristol, the housing stock is 70% single-family homes and 10% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
72% of owner-occupied homes in Bristol carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bristol has an owner-occupancy rate of 61% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
50% of homes in Bristol are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Bristol? FEMA's National Risk Index points to winter weather (Very High) in Bucks County and Bucks County had 3,143 active NFIP flood policies as of September 2026. See the full Bucks County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $271,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Bucks County | 3,143 |
| 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)