Home Insurance in Williamsburg, Pennsylvania
The median home value in Williamsburg is $130,200, 19% lower than the Blair County median.
The typical home in Williamsburg was built around 1951. About 69% of homes were built before 1960, about 15 points above Blair County's 54%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Williamsburg, the housing stock is 71% single-family homes, 14% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Williamsburg, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Williamsburg are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 65% of homes in Williamsburg are primarily heated with fuel oil.
What's the biggest home insurance risk near Williamsburg? FEMA's National Risk Index points to winter weather (Relatively High) in Blair County and 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.
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 | $130,200 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)