Home Insurance in Alba, Pennsylvania
Homes in Alba carry a median value of $70,000 - 63% lower than the Bradford County median.
The typical home in Alba was built around 1950. About 62% of homes were built before 1960, about 18 points above Bradford County's 44%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Alba is 83% single-family homes, 9% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 30% of owner-occupied homes in Alba have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 75% of occupied homes in Alba are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
70% of homes in Alba are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Bradford County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Bradford County had 554 active NFIP flood policies as of September 2026. See the full Bradford County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners 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 | $70,000 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Bradford County | 554 |
| 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)