Home Insurance in Apollo, Pennsylvania
Homes in Apollo carry a median value of $91,100 - 42% lower than the Armstrong County median.
The median home in Apollo 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 75% of homes were built before 1960, about 24 points above Armstrong County's 51%.
Housing in Apollo breaks down to 77% single-family homes and 13% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
48% of owner-occupied homes in Apollo carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Apollo has an owner-occupancy rate of 63% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
85% of homes in Apollo are primarily heated with natural gas.
What's the biggest home insurance risk near Apollo? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Armstrong County and Armstrong County had 247 active NFIP flood policies as of September 2026. See the full Armstrong County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Pennsylvania is $1,217 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $91,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Armstrong County | 247 |
| 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)