Home Insurance in Cambria County, Pennsylvania
The median home value in Cambria County is $121,000, 52% lower than the Pennsylvania median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Cambria County was built around 1956. About 56% of homes were built before 1960, about 12 points above Pennsylvania's 45%.
In Cambria County, the housing stock is 81% single-family homes, 9% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 45% of owner-occupied homes in Cambria County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Cambria County has an owner-occupancy rate of 76% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 47% of homes in Cambria County are primarily heated with natural gas.
The top hazards for Cambria County, per FEMA's National Risk Index, are inland flooding (Relatively Moderate), hurricane (Relatively Low) and winter weather (Relatively Moderate).
Cambria County had 561 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 | $121,000 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Hurricane (Relatively Low), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 561 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
- Ashville
- Brownstown
- Carrolltown
- Cassandra
- Chest Springs
- Cresson
- Daisytown
- Dale
- East Conemaugh
- Ebensburg
- Ehrenfeld
- Ferndale
- Franklin
- Gallitzin
- Geistown
- Hastings
- Johnstown
- Lilly
- Lorain
- Loretto
- Nanty-Glo
- Northern Cambria
- Patton
- Portage
- Sankertown
- Scalp Level
- South Fork
- Southmont
- Summerhill
- Tunnelhill
- Vintondale
- Westmont
- Wilmore
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)