Home Insurance in New Salem, Pennsylvania
Homes in New Salem carry a median value of $254,500 - close to the York County median.
The typical home in New Salem was built around 1969. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 33% of homes were built before 1960, in line with York County (33%).
The housing stock in New Salem is 99% single-family homes and 1% mobile or manufactured homes.
In New Salem, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 97% of occupied homes in New Salem are owner-occupied.
In New Salem, 61% of homes are primarily heated with natural gas. Homes heated with wood 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 New Salem? FEMA's National Risk Index points to winter weather (Very High) in York County and York County had 807 active NFIP flood policies as of September 2026. See the full York 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 | $254,500 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in York County | 807 |
| 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)