Home Insurance in Schellsburg, Pennsylvania
The median home value in Schellsburg is $136,900, 24% lower than the Bedford County median.
The median home in Schellsburg was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 65% of homes were built before 1960, about 26 points above Bedford County's 39%.
In Schellsburg, the housing stock is 70% single-family homes, 11% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Schellsburg, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Schellsburg has an owner-occupancy rate of 75% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Schellsburg - 55% - 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.
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 | $136,900 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)