Home Insurance in Birmingham, Pennsylvania
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Birmingham was built around 1953. About 53% of homes were built before 1960, about 13 points above Huntingdon County's 39%.
In Birmingham, the housing stock is 46% single-family homes and 37% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 6% of owner-occupied homes in Birmingham have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 45% of occupied homes in Birmingham are owner-occupied. The vacancy rate is 30%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Birmingham - 62% - are primarily heated with fuel oil.
What's the biggest home insurance risk near Birmingham? FEMA's National Risk Index points to strong wind (Relatively High) in Huntingdon County and Huntingdon County had 263 active NFIP flood policies as of September 2026. See the full Huntingdon County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Pennsylvania carries a statewide average premium of $1,217 per year.
Key figures
| Median year built | 1953 |
|---|---|
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 6% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Huntingdon County | 263 |
| 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)