Home Insurance in New Florence, Pennsylvania
Homes in New Florence carry a median value of $117,400 - 42% lower than the Westmoreland County median.
The typical home in New Florence was built around 1952. About 71% of homes were built before 1960, about 26 points above Westmoreland County's 44%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in New Florence breaks down to 86% single-family homes and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In New Florence, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
New Florence has an owner-occupancy rate of 80% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In New Florence, 86% of homes are primarily heated with natural gas.
Westmoreland County had 899 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively High). See the full Westmoreland County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $117,400 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Westmoreland County | 899 |
| 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)