Home Insurance in North Apollo, Pennsylvania
With a median home value of $140,600, North Apollo is 11% lower than the Armstrong County median.
The typical home in North Apollo was built around 1951. About 65% of homes were built before 1960, about 14 points above Armstrong County's 51%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In North Apollo, the housing stock is 91% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 51% of owner-occupied homes in North Apollo have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 87% of occupied homes in North Apollo are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In North Apollo, 94% of homes are primarily heated with natural gas.
Armstrong County had 247 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). 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.
In Pennsylvania, the statewide average premium for a standard HO-3 homeowners policy is $1,217 per year (NAIC, 2023 data).
Key figures
| Median home value | $140,600 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)