Home Insurance in Coatesville, Pennsylvania
Homes in Coatesville carry a median value of $194,000 - 60% lower than the Chester County median.
The typical home in Coatesville was built around 1952. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 58% of homes were built before 1960, about 35 points above Chester County's 23%.
Housing in Coatesville breaks down to 66% single-family homes, 22% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Coatesville, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Coatesville has an owner-occupancy rate of 40% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Coatesville, 43% of homes 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.
FEMA rates Chester County's overall risk as Relatively Moderate, led by winter weather (Very High). Chester County had 1,252 active NFIP flood policies as of September 2026. See the full Chester County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $194,000 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Chester County | 1,252 |
| 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)