Home Insurance in Everett, Pennsylvania
With a median home value of $120,000, Everett is 33% lower than the Bedford County median.
The typical home in Everett was built around 1953. About 62% of homes were built before 1960, about 23 points above Bedford County's 39%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Everett is 57% single-family homes, 12% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Everett, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 49% of occupied homes in Everett are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Everett - 60% - are primarily heated with fuel oil. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Everett? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Bedford County and Bedford County had 261 active NFIP flood policies as of September 2026. See the full Bedford 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 | $120,000 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Bedford County | 261 |
| 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)