Home Insurance in Ashville, Pennsylvania
The median home value in Ashville is $96,900, 20% lower than the Cambria County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Ashville was built around 1955. About 58% of homes were built before 1960, about 2 points above Cambria County's 56%.
The housing stock in Ashville is 85% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
41% of owner-occupied homes in Ashville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 82% of occupied homes in Ashville are owner-occupied. The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
69% of homes in Ashville are primarily heated with fuel oil. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Ashville? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Cambria County and Cambria County had 561 active NFIP flood policies as of September 2026. See the full Cambria 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 | $96,900 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Cambria County | 561 |
| 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)