Home Insurance in Sankertown, Pennsylvania
With a median home value of $164,000, Sankertown is 36% higher than the Cambria County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Sankertown was built around 1955. About 53% of homes were built before 1960, about 3 points below Cambria County's 56%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sankertown is 83% single-family homes, 4% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
In Sankertown, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sankertown has an owner-occupancy rate of 82% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
83% of homes in Sankertown are primarily heated with natural gas.
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 | $164,000 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)