Home Insurance in Lawrence County, Pennsylvania
The median home value in Lawrence County is $147,200, 42% lower than the Pennsylvania median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Lawrence County was built around 1957. About 56% of homes were built before 1960, about 11 points above Pennsylvania's 45%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lawrence County is 82% single-family homes, 7% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
In Lawrence County, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Lawrence County are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Lawrence County, 57% of homes are primarily heated with natural gas.
The top hazards for Lawrence County, per FEMA's National Risk Index, are inland flooding (Relatively Moderate), winter weather (Relatively Low) and strong wind (Relatively Low).
As of September 2026, Lawrence County has 159 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $147,200 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Winter Weather (Relatively Low), Strong Wind (Relatively Low) |
| Active NFIP flood policies (county) | 159 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
- Bessemer
- Ellport
- Ellwood City
- Enon Valley
- New Beaver
- New Castle
- New Wilmington
- S.N.P.J.
- South New Castle
- Volant
- Wampum
Sources
- 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)