Home Insurance in Bradford County, Pennsylvania
With a median home value of $187,500, Bradford County is 26% lower than the Pennsylvania median.
The typical home in Bradford County was built around 1969. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 44% of homes were built before 1960, about 1 point below Pennsylvania's 45%.
The housing stock in Bradford County is 74% single-family homes, 5% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
46% of owner-occupied homes in Bradford County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Bradford County are owner-occupied.
38% of homes in Bradford County are primarily heated with natural gas. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Bradford County, per FEMA's National Risk Index, are inland flooding (Relatively Moderate), hurricane (Relatively Low) and earthquake (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Bradford County had 554 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $187,500 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Hurricane (Relatively Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 554 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
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Athens
- Median home value: $167,200
- Median year built: 1953
- Owner-occupied share: 41%
-
Wyalusing
- Median home value: $157,100
- Median year built: 1953
- Owner-occupied share: 46%
Sources
- 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)