Home Insurance in Freeport, Pennsylvania
With a median home value of $110,600, Freeport is 30% lower than the Armstrong County median.
The typical home in Freeport was built around 1941. About 73% of homes were built before 1960, about 23 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 Freeport, the housing stock is 65% single-family homes and 21% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 49% of owner-occupied homes in Freeport have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Freeport are owner-occupied.
84% of homes in Freeport are primarily heated with natural gas.
Armstrong County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. 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 | $110,600 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)