Home Insurance in Northern Cambria, Pennsylvania

The median home value in Northern Cambria is $93,100, 23% lower than the Cambria County median.

The typical home in Northern Cambria was built around 1952. About 65% of homes were built before 1960, about 8 points above Cambria County's 56%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.

Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Northern Cambria is 77% single-family homes, 12% apartments in buildings with 5+ units and 5% mobile or manufactured homes.

In Northern Cambria, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

About 69% of occupied homes in Northern Cambria are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

Most homes in Northern Cambria - 64% - are primarily heated with fuel oil. Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.

What's the biggest home insurance risk near Northern Cambria? 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.

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$93,100
Median year built1952
Owner-occupied share69%
Share of owner-occupied homes with a mortgage35%
Top county hazardInland Flooding (Relatively Moderate)
Active NFIP policies in Cambria County561
Home insurance premium$1,217 - statewide average (NAIC, 2023 data)
Key home insurance figures for Northern Cambria, PA

Nearby towns

Sources

Data last updated: 2026-09-29