Home Insurance in Newburg, Pennsylvania
With a median home value of $225,500, Newburg is 19% lower than the Cumberland County median.
The typical home in Newburg was built around 1952. About 54% of homes were built before 1960, about 24 points above Cumberland County's 30%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Newburg breaks down to 95% single-family homes and 2% apartments in buildings with 5+ units.
About 80% of owner-occupied homes in Newburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 66% of occupied homes in Newburg are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Newburg, 49% of homes are primarily heated with fuel oil. Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Cumberland County had 619 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Cumberland 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 | $225,500 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 80% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Cumberland County | 619 |
| 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)