Home Insurance in New Bethlehem, Pennsylvania
With a median home value of $179,400, New Bethlehem is 15% higher than the Clarion County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in New Bethlehem was built around 1945. About 66% of homes were built before 1960, about 24 points above Clarion County's 43%.
The housing stock in New Bethlehem is 73% single-family homes, 16% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 60% of owner-occupied homes in New Bethlehem have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
New Bethlehem has an owner-occupancy rate of 54% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in New Bethlehem - 80% - are primarily heated with natural gas.
What's the biggest home insurance risk near New Bethlehem? FEMA's National Risk Index points to hurricane (Relatively Low) in Clarion County and Clarion County had 59 active NFIP flood policies as of September 2026. See the full Clarion 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 | $179,400 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Clarion County | 59 |
| 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)