Home Insurance in Atwood, Pennsylvania
Homes in Atwood carry a median value of $218,300 - 39% higher than the Armstrong County median.
The typical home in Atwood was built around 1949. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 53% of homes were built before 1960, about 3 points above Armstrong County's 51%.
The housing stock in Atwood is 95% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
47% of owner-occupied homes in Atwood carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Atwood are owner-occupied.
Most homes in Atwood - 87% - are primarily heated with natural gas.
FEMA rates Armstrong County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). 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.
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 | $218,300 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)