Home Insurance in Sylvania, Pennsylvania
With a median home value of $153,800, Sylvania is 18% lower than the Bradford County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Sylvania was built in 1939 or earlier. About 74% of homes were built before 1960, about 30 points above Bradford County's 44%.
The housing stock in Sylvania is 89% single-family homes. The rest are 2-4 unit or other housing types.
In Sylvania, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sylvania has an owner-occupancy rate of 78% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Sylvania - 72% - are primarily heated with natural gas.
What's the biggest home insurance risk near Sylvania? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Bradford County and 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 | $153,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)