Home Insurance in Cameron County, Pennsylvania
With a median home value of $88,900, Cameron County is 65% lower than the Pennsylvania median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Cameron County was built around 1959. About 51% of homes were built before 1960, about 6 points above Pennsylvania's 45%.
In Cameron County, the housing stock is 80% single-family homes, 3% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
33% of owner-occupied homes in Cameron County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 43%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Cameron County are owner-occupied.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Cameron County, 51% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists hurricane (Very Low), inland flooding (Relatively Low) and winter weather (Relatively Low) as the leading hazards for Cameron County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Cameron County has 79 active NFIP flood policies on file.
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 | $88,900 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top hazards (FEMA National Risk Index) | Hurricane (Very Low), Inland Flooding (Relatively Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 79 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
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)