Home Insurance in Oxford, Pennsylvania
The median home value in Oxford is $313,800, 35% lower than the Chester County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Oxford was built around 1980. About 34% of homes were built before 1960, about 11 points above Chester County's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Oxford is 50% single-family homes, 23% apartments in buildings with 5+ units and 11% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Oxford, about 84% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 45% of occupied homes in Oxford are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
69% of homes in Oxford are primarily heated with natural gas.
Chester County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. 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.
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 | $313,800 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 84% |
| 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)