Home Insurance in Applewold, Pennsylvania
The median home value in Applewold is $189,100, 20% higher than the Armstrong County median.
The typical home in Applewold was built around 1941. About 70% of homes were built before 1960, about 19 points above Armstrong County's 51%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Applewold, the housing stock is 76% single-family homes and 16% apartments in buildings with 5+ units.
In Applewold, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Applewold has an owner-occupancy rate of 56% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
88% of homes in Applewold are primarily heated with natural gas.
What's the biggest home insurance risk near Applewold? 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 | $189,100 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)