Home Insurance in Portage, Pennsylvania
The median home value in Portage is $94,800, 22% lower 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 Portage was built around 1941. About 77% of homes were built before 1960, about 21 points above Cambria County's 56%.
In Portage, the housing stock is 74% single-family homes, 12% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 39% of owner-occupied homes in Portage have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Portage has an owner-occupancy rate of 77% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Portage - 84% - are primarily heated with natural gas.
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.
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 | $94,800 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)