Home Insurance in Bellwood, Pennsylvania
The median home value in Bellwood is $145,700, 10% lower than the Blair County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bellwood was built around 1945. About 75% of homes were built before 1960, about 21 points above Blair County's 54%.
The housing stock in Bellwood is 86% single-family homes and 3% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
58% of owner-occupied homes in Bellwood carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 78% of occupied homes in Bellwood are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Bellwood, 83% of homes are primarily heated with natural gas.
Blair County had 602 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Blair County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $145,700 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Blair County | 602 |
| 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)