Home Insurance in Chester Heights, Pennsylvania
Homes in Chester Heights carry a median value of $343,200 - close to the Delaware County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Chester Heights was built around 1987. About 9% of homes were built before 1960, about 49 points below Delaware County's 58%.
Housing in Chester Heights breaks down to 73% single-family homes and 22% apartments in buildings with 5+ units.
About 79% of owner-occupied homes in Chester Heights have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Chester Heights has an owner-occupancy rate of 76% and a vacancy rate of 6%; 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. In Chester Heights, 42% of homes are primarily heated with natural gas.
Delaware County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. Delaware County had 2,016 active NFIP flood policies as of September 2026. See the full Delaware 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 | $343,200 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 79% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Delaware County | 2,016 |
| 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)