Home Insurance in Centre Hall, Pennsylvania
With a median home value of $263,700, Centre Hall is 18% lower than the Centre County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Centre Hall was built around 1952. About 62% of homes were built before 1960, about 35 points above Centre County's 26%.
In Centre Hall, the housing stock is 88% single-family homes and 4% apartments in buildings with 5+ units.
57% of owner-occupied homes in Centre Hall carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 76% of occupied homes in Centre Hall are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 42% of homes in Centre Hall are primarily heated with fuel oil.
Centre County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Centre County had 312 active NFIP flood policies as of September 2026. See the full Centre 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 | $263,700 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Centre County | 312 |
| 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)