Home Insurance in Rainsburg, Pennsylvania
The median home value in Rainsburg is $121,900, 32% lower than the Bedford County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Rainsburg was built in 1939 or earlier. About 77% of homes were built before 1960, about 38 points above Bedford County's 39%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Rainsburg is 92% single-family homes and 8% mobile or manufactured homes.
In Rainsburg, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 60% of occupied homes in Rainsburg are owner-occupied. The vacancy rate is 31%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
74% of homes in Rainsburg are primarily heated with fuel oil. Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Bedford County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $121,900 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)