Home Insurance in Roaring Spring, Pennsylvania
Homes in Roaring Spring carry a median value of $142,200 - 12% lower than the Blair County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Roaring Spring was built in 1939 or earlier. About 78% of homes were built before 1960, about 25 points above Blair County's 54%.
The housing stock in Roaring Spring is 84% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 59% of owner-occupied homes in Roaring Spring have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Roaring Spring are owner-occupied.
In Roaring Spring, 60% of homes 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.
Blair County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Blair County had 602 active NFIP flood policies as of September 2026. See the full Blair County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Pennsylvania is $1,217 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $142,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)