Home Insurance in Canton, Pennsylvania
The median home value in Canton is $126,300, 33% lower than the Bradford County median.
The typical home in Canton was built around 1943. About 68% of homes were built before 1960, about 24 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 Canton is 48% single-family homes, 17% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Canton, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Canton has an owner-occupancy rate of 41% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Canton, 67% of homes are primarily heated with natural gas.
Bradford County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $126,300 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 41% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)