Home Insurance in Lilly, Pennsylvania
Homes in Lilly carry a median value of $100,000 - 17% lower than the Cambria County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Lilly was built around 1942. About 70% of homes were built before 1960, about 14 points above Cambria County's 56%.
The housing stock in Lilly is 84% single-family homes, 2% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
34% of owner-occupied homes in Lilly carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lilly has an owner-occupancy rate of 85% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Lilly - 73% - 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.
Cambria County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. 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 | $100,000 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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)