Home Insurance in New Wilmington, Pennsylvania
Homes in New Wilmington carry a median value of $209,800 - 43% higher than the Lawrence County median.
The typical home in New Wilmington was built around 1954. About 59% of homes were built before 1960, about 4 points above Lawrence County's 56%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In New Wilmington, the housing stock is 68% single-family homes and 15% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In New Wilmington, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
New Wilmington has an owner-occupancy rate of 57% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in New Wilmington - 73% - are primarily heated with natural gas.
Lawrence County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Lawrence County had 159 active NFIP flood policies as of September 2026. See the full Lawrence County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 home value | $209,800 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Lawrence County | 159 |
| 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)