Home Insurance in New Buffalo, Pennsylvania
With a median home value of $190,600, New Buffalo is 19% lower than the Perry County median.
The median home in New Buffalo was built in 1939 or earlier. About 82% of homes were built before 1960, about 49 points above Perry County's 33%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in New Buffalo breaks down to 62% single-family homes, 15% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 85% of owner-occupied homes in New Buffalo have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 46% of occupied homes in New Buffalo are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in New Buffalo - 54% - are primarily heated with electricity.
Perry County had 199 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Perry 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 | $190,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 85% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Perry County | 199 |
| 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)