Home Insurance in Coplay, Pennsylvania
Homes in Coplay carry a median value of $215,800 - 28% lower than the Lehigh County median.
The typical home in Coplay was built around 1956. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 56% of homes were built before 1960, about 15 points above Lehigh County's 41%.
The housing stock in Coplay is 77% single-family homes and 4% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
59% of owner-occupied homes in Coplay carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Coplay 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 Coplay, 48% of homes are primarily heated with natural gas.
Lehigh County had 553 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full Lehigh 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 home value | $215,800 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)