Home Insurance in East Conemaugh, Pennsylvania
With a median home value of $44,100, East Conemaugh is 64% lower than the Cambria County median.
The median home in East Conemaugh was built in 1939 or earlier. About 85% of homes were built before 1960, about 28 points above Cambria County's 56%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in East Conemaugh is 93% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In East Conemaugh, about 26% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in East Conemaugh are owner-occupied.
Most homes in East Conemaugh - 87% - are primarily heated with fuel oil. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Cambria County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). 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 | $44,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 26% |
| 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)