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Flood insurance cost · Bedford County, PA

Flood insurance cost in Bedford County, Pennsylvania

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 234 home policies in force on August 31, 2026.

Bedford County, PennsylvaniaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,540a year

Half of insured homes paid between $1,111 and $2,243. That is 25% more than the Pennsylvania median ($1,232). Most insured homes here are rated in zone AE (68%).

$0$1,111 · $1,540 · $2,243$2,804
+11.0% vs Aug 31, 2025 (median $1,387)
234home policies in force
$1,768average cost (mean)
87%of insured homes in high-risk zones (A, V)
$100,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Bedford County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$1,603$1,181–$2,298$1,824158 (68%)+11.1%
Zone A
High risk		$1,790$1,326–$2,169$1,93543 (18%)+14.5%
Zone X
Moderate to low risk		$1,195$763–$1,390$1,27631 (13%)+15.9%

Not shown (fewer than 10 home policies): VE, AO, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Bedford County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home197$1,548$1,779
Manufactured (mobile) home29$1,434$1,636
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		29$2,170$3,611

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit, whole residential building (5+ units or condo association).

263NFIP policies in force, any building
263insured units (condo association policies count every unit)
50%of home policies also cover contents
$30,000median contents coverage, when bought

One year on: Bedford County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force243234−3.7%
Median annual cost$1,387$1,540+11.0%
Average annual cost$1,596$1,768+10.8%
All policies in force (any building)277263−5.1%

How many homes have flood insurance?

0.9%of all homes in Bedford County have an NFIP policy
11.7%of homes in high-risk zones (special flood hazard area) have one
25,734residential buildings counted by FEMA
1,751of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Bedford County, Pennsylvania have filed 1,203 flood claims. 1,051 received a payment, for a total of $13.5 million (an average of $12,812 per paid claim). The year with the most claims was 1996 (354 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 10 claims1979: 38 claims, 33 paid, $47,218 in total19801983: 179 claims, 171 paid, $1,372,897 in total19831984: 95 claims, 80 paid, $486,815 in total1989: 18 claims, 11 paid, $21,524 in total19901993: 111 claims, 95 paid, $874,603 in total1996: 354 claims, 329 paid, $4,913,792 in total19961997: 55 claims, 46 paid, $422,130 in total20002003: 24 claims, 17 paid, $151,525 in total2004: 114 claims, 100 paid, $2,196,294 in total20042010: 27 claims, 21 paid, $354,092 in total20102012: 11 claims2014: 19 claims, 13 paid, $108,347 in total2018: 31 claims, 29 paid, $718,386 in total20202021: 64 claims, 55 paid, $1,489,517 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (15)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20216455$1,489,517$27,082
20183129$718,386$24,772
20141913$108,347$8,334
201211<10––
20102721$354,092$16,862
2004114100$2,196,294$21,963
20032417$151,525$8,913
19975546$422,130$9,177
1996354329$4,913,792$14,936
199311195$874,603$9,206
19891811$21,524$1,957
19849580$486,815$6,085
1983179171$1,372,897$8,029
19793833$47,218$1,431
197810<10––

From 2016 to 2026: 95 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Main NFIP communities in the county

Hyndman (41 home policies) · Bedford (34 home policies) · West Providence (19 home policies) · East St. Clair (17 home policies) · Hopewell (14 home policies) · Snake Spring (13 home policies)