Home Insurance in Riverside, Pennsylvania
Homes in Riverside carry a median value of $258,300 - 59% higher than the Northumberland County median.
The typical home in Riverside was built around 1963. About 45% of homes were built before 1960, about 10 points below Northumberland County's 55%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Riverside, the housing stock is 94% single-family homes and 1% apartments in buildings with 5+ units.
In Riverside, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Riverside has an owner-occupancy rate of 90% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
41% of homes in Riverside are primarily heated with fuel oil. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Riverside? FEMA's National Risk Index points to winter weather (Relatively High) in Northumberland County and Northumberland County had 489 active NFIP flood policies as of September 2026. See the full Northumberland 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 | $258,300 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Northumberland County | 489 |
| 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)