Home Insurance in Coopersburg, Pennsylvania
With a median home value of $317,000, Coopersburg is 6% higher than the Lehigh County median.
The typical home in Coopersburg was built around 1961. About 49% of homes were built before 1960, about 7 points above Lehigh County's 41%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Coopersburg is 77% single-family homes and 13% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 66% of owner-occupied homes in Coopersburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Coopersburg has an owner-occupancy rate of 69% and a vacancy rate of 1%; 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 Coopersburg, 40% of homes are primarily heated with fuel oil.
FEMA rates Lehigh County's overall risk as Relatively Moderate, led by winter weather (Very High). Lehigh County had 553 active NFIP flood policies as of September 2026. See the full Lehigh 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 | $317,000 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Lehigh County | 553 |
| 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)