Home Insurance in Emporium, Pennsylvania
With a median home value of $75,400, Emporium is 15% lower than the Cameron County median.
The typical home in Emporium was built around 1952. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 65% of homes were built before 1960, about 13 points above Cameron County's 51%.
In Emporium, the housing stock is 74% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Emporium, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Emporium are owner-occupied.
Most homes in Emporium - 77% - are primarily heated with natural gas.
What's the biggest home insurance risk near Emporium? 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Pennsylvania carries a statewide average premium of $1,217 per year.
Key figures
| Median home value | $75,400 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)