Home Insurance in Cresson, Pennsylvania
The median home value in Cresson is $131,500, 9% higher than the Cambria County median.
The typical home in Cresson was built around 1949. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 73% of homes were built before 1960, about 17 points above Cambria County's 56%.
The housing stock in Cresson is 64% single-family homes, 14% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Cresson, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Cresson has an owner-occupancy rate of 64% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
89% of homes in Cresson are primarily heated with natural gas.
What's the biggest home insurance risk near Cresson? 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.
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 | $131,500 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)