Home Insurance in Rome, Pennsylvania
Homes in Rome carry a median value of $150,000 - 20% lower than the Bradford County median.
The typical home in Rome was built around 1955. About 51% of homes were built before 1960, about 7 points above Bradford County's 44%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Rome is 52% single-family homes, 3% apartments in buildings with 5+ units and 32% 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 Rome, about 17% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Rome has an owner-occupancy rate of 51% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
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. In Rome, 47% of homes are primarily heated with fuel oil.
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 | $150,000 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 17% |
| 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)