Home Insurance in Driftwood, Pennsylvania
With a median home value of $95,700, Driftwood is 8% higher than the Cameron County median.
The typical home in Driftwood was built around 1966. About 45% of homes were built before 1960, about 6 points below Cameron County's 51%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Driftwood, the housing stock is 61% single-family homes and 39% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 8% of owner-occupied homes in Driftwood have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 68%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Driftwood 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 Driftwood, 62% of homes are primarily heated with propane.
What's the biggest home insurance risk near Driftwood? FEMA's National Risk Index points to hurricane (Very Low) in Cameron County and Cameron County had 79 active NFIP flood policies as of September 2026. See the full Cameron County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $95,700 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 8% |
| Top county hazard | Hurricane (Very Low) |
| Active NFIP policies in Cameron County | 79 |
| 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)