Home Insurance in Newport, Pennsylvania
With a median home value of $151,600, Newport is 36% lower than the Perry County median.
The median home in Newport was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 90% of homes were built before 1960, about 57 points above Perry County's 33%.
In Newport, the housing stock is 66% single-family homes and 13% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 71% of owner-occupied homes in Newport have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Newport has an owner-occupancy rate of 41% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Newport, 48% of homes 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 Newport? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Perry County and Perry County had 199 active NFIP flood policies as of September 2026. See the full Perry County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Pennsylvania, the statewide average premium for a standard HO-3 homeowners policy is $1,217 per year (NAIC, 2023 data).
Key figures
| Median home value | $151,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 41% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)