Home Insurance in Geistown, Pennsylvania
Homes in Geistown carry a median value of $154,700 - 28% higher 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 Geistown was built around 1957. About 60% of homes were built before 1960, about 4 points above Cambria County's 56%.
In Geistown, the housing stock is 85% single-family homes and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Geistown, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Geistown has an owner-occupancy rate of 78% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Geistown - 83% - are primarily heated with natural gas.
Cambria County had 561 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). 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 | $154,700 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)