Home Insurance in Newville, Pennsylvania
With a median home value of $177,100, Newville is 36% lower than the Cumberland County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Newville was built in 1939 or earlier. About 84% of homes were built before 1960, about 55 points above Cumberland County's 30%.
The housing stock in Newville is 60% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Newville, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Newville has an owner-occupancy rate of 44% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 46% of homes in Newville are primarily heated with electricity.
FEMA rates Cumberland County's overall risk as Relatively Moderate, led by winter weather (Relatively High). Cumberland County had 619 active NFIP flood policies as of September 2026. See the full Cumberland 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 | $177,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)