There’s something undeniably peaceful about living by the water. Whether it's a charming stone cottage tucked along the Lehigh River or a modern home with panoramic creek views, riverfront properties in the Lehigh Valley offer a connection to nature, unmatched tranquility, and a chance to live in tune with the rhythm of the outdoors.
But while the lifestyle can feel like a dream, buying a house near the river often comes with a less romantic companion: flood insurance.
Before you fall in love with that riverside deck, let’s walk through what it really means to buy a house with flood insurance in the Lehigh Valley—and how to do it wisely.
Flood Insurance 101: What It Is, Why It Matters, and What It Costs
Flood insurance is a special type of coverage that protects your home and belongings from water damage caused by flooding—a risk not typically covered by standard homeowners insurance. If your dream home is in or near a FEMA-designated flood zone, you’ll likely be required to carry it.
What Does Flood Insurance Cover?
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Structural damage (walls, foundation, electrical systems)
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Essential systems (water heater, HVAC, appliances)
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Some personal belongings, depending on the policy
How Much Does It Cost?
Costs vary widely depending on:
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Flood zone classification (Zone AE, VE, X, etc.)
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Elevation of the home relative to the Base Flood Elevation (BFE)
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Building type and foundation
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Whether you buy federal NFIP insurance or a private market policy
On average, flood insurance in Pennsylvania can range from $500 to over $2,500 per year, with Lehigh River homes generally on the higher end.
Lehigh Valley Riverfront Hotspots: Where You’ll Find These Homes—and Why People Love Them
The Lehigh Valley’s natural geography makes it a haven for affordable riverside living, especially for buyers craving a balance between serenity and accessibility. Some of the most sought-after areas include:
📍 Easton
Historic homes and contemporary builds alike can be found near the Delaware River Canal, with walkability to downtown shops, restaurants, and the scenic Karl Stirner Arts Trail. The stretch from Easton to Riegelsville is a favorite with some hidden, soulful homes.
📍 Mount Bethel
Tucked in the northern part of Northampton County, Mt. Bethel is a hidden gem for buyers looking for wide-open river views, farmland vibes, and a peaceful pace of life. Many properties here back up to the Delaware River, offering scenic surroundings and potential for water access. Mt. Bethel is perfect for buyers seeking a true country-meets-waterfront lifestyle.
📍 Riegelsville
This lovable riverside village is nestled along the Delaware River and known for its scenic beauty, historic suspension bridge, and peaceful pace. Riegelsville offers a mix of stately older homes and cozy river cottages, all set against a backdrop of exceptional, natural tranquility. It is intentionally slow, serene and perfectly positioned in close proximity to Historic Easton and Rieglesville's charming neighboring towns in Bucks County.
📍 Raubsville
Tucked just south of Easton along the Delaware River, Raubsville is one of the Lehigh Valley’s best-kept secrets. This peaceful hamlet offers a rare blend of seclusion and accessibility—where you can sip coffee on your riverfront deck in the morning and be in Centre Square for dinner by evening. Homes here often back up to the historic Delaware Canal towpath, making it a haven for cyclists, runners, and paddlers. Whether you're craving scenic weekend escapes or a daily dose of nature after work, Raubsville delivers with quiet charm and outdoor freedom—without straying far from the action.
📍 Phillipsburg, NJ
Just across the river from Easton, Phillipsburg offers a unique blend of riverfront charm and great affordability. With homes that back right up to the Delaware River, this area appeals to buyers who want the serenity of waterfront living combined with commuter access to the Lehigh Valley and beyond. Flood zones apply here too, so working with an experienced local agent is key.
📍 Walnutport
Nestled along the Lehigh Canal in northern Lehigh County, Walnutport is a hidden gem for those seeking affordable river-adjacent living with a laid-back, small-town feel. This quiet borough offers easy access to scenic walking and biking trails, fishing spots, and peaceful stretches of the canal—making it a favorite among nature lovers and outdoor enthusiasts. With a mix of classic single-family homes and cozy cottages, Walnutport is ideal for first-time buyers, remote workers, or anyone craving a slower, simpler lifestyle surrounded by water, woods, and community charm.
📍 Freemansburg & Bethlehem Township
These neighboring communities along the Lehigh River strike a rare balance between natural beauty and everyday convenience. Freemansburg, with its historic charm and proximity to the Lehigh Canal Towpath, offers riverside tranquility just minutes from the heart of Bethlehem. It’s a favorite for buyers who want character-rich homes, easy trail access, and a sense of community.
Bethlehem Township blends suburban comfort with outdoor perks—think wide sidewalks, well-kept parks, and scenic river views. With top-rated schools, shopping, and commuter routes nearby, it’s ideal for families and professionals looking to stay connected without sacrificing peace and space. Together, these areas offer river-adjacent living with just the right touch of modern convenience.
📍 Glendon & Palmer Township, Easton
Tucked near the scenic confluence of the Delaware and Lehigh Rivers, Glendon is a quiet, historic borough with surprising proximity to major routes—making it a peaceful pocket for those who crave a slower pace without losing access to the essentials. With wooded surroundings, nearby towpaths, and a few hidden riverfront properties, it’s a great option for buyers seeking affordability and calm.
Palmer Township, on the other hand, offers a more suburban experience while still hugging the Lehigh River in places. With its well-established neighborhoods, trail systems, and excellent local amenities—from parks to schools to shopping—Palmer is perfect for families, professionals, and retirees alike. Many homes here are just a short stroll or bike ride from the water, offering lifestyle flexibility with long-term value.
Smart Buyer Moves: How to Navigate the Flood Zone Like a Pro
Buying a home in a flood zone doesn’t have to be scary—if you have the right tools and people by your side.
✅ Get the Flood Zone Determination
Ask your realtor (hi, that’s me!) for a Flood Zone Determination Report. This confirms if the property is in a Special Flood Hazard Area or outside of it.
✅ Obtain an Certificate of Elevation
If the home is in a high-risk zone, the Certificate of Elevation helps determine your insurance rate. Higher elevation = lower premiums.
✅ Obtain Property Disclosures
In Pennsylvania, sellers must disclose past flooding or water issues—but it’s up to the buyer (that’s you!) to dig deeper. Public FEMA flood maps and a qualified inspector can help you know exactly what you’re walking into.
✅ Shop for Insurance Early
You don’t have to settle for the National Flood Insurance Program (NFIP). Sometimes private insurance offers better coverage and rates. I can assist you with a local insurance provider to obtain quotes before you make an offer.
✅ Get a Specialized Inspection
Hire an inspector familiar with riverfront properties. They’ll look for signs of past flooding, mold, and proper drainage systems.
✅ Work with a Local Agent
A local real estate agent who understands the Lehigh River flood zone home buying tips and nuances of each neighborhood is critical. You want someone who can read between the lines—and floodplain maps. (I'm your girl!:)
Why It’s Still Worth It: Beauty, Peace, and Value—If You Buy Smart
Despite the extra legwork, owning a riverfront home in the Lehigh Valley can be deeply rewarding. Imagine waking up to misty sunrises over the water, kayaking from your backyard, or watching the seasons change with unobstructed views.
River homes often appreciate in value—especially in areas where proper flood mitigation and community investment are strong. And if you're working remotely, why not trade in highway noise for flowing water?
Think of flood insurance not as a dealbreaker, but as a smart step in protecting a lifestyle that feeds your soul.
Let’s Explore Riverfront Homes—Together
As a local real estate professional, I know the ins and outs of homes near the river in Lehigh Valley flood risk areas, and I’m here to make the process smooth, transparent, and even a little exciting!
Whether you’re curious about a specific property or just beginning to explore the possibilities of riverfront living, I'd love to hear from you.
Reach out today and let’s find your peaceful place by the river—wisely, and with heart.
Adrienne Ward is a licensed real estate professional passionate about helping people discover homes where whole lives flourish in the Lehigh Valley and surrounding areas of PA & NJ.
www.adriennewardrealestate.com
