Home Insurance in Loretto, Pennsylvania
With a median home value of $204,300, Loretto is 69% higher than the Cambria County median.
The typical home in Loretto was built around 1956. About 59% of homes were built before 1960, about 3 points above Cambria County's 56%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Loretto, the housing stock is 52% single-family homes and 24% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Loretto, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Loretto has an owner-occupancy rate of 75% and a vacancy rate of 45%; unoccupied homes typically need a different coverage form.
Most homes in Loretto - 71% - are primarily heated with natural gas. Homes heated with wood 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 | $204,300 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)