Home Insurance in Port Matilda, Pennsylvania
The median home value in Port Matilda is $203,900, 37% lower than the Centre County median.
The typical home in Port Matilda was built around 1951. About 62% of homes were built before 1960, about 35 points above Centre County's 26%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Port Matilda is 63% single-family homes, 8% apartments in buildings with 5+ units and 11% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 71% of owner-occupied homes in Port Matilda have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 60% of occupied homes in Port Matilda are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Port Matilda, 52% of homes are primarily heated with fuel oil. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Centre County's overall risk as Relatively Low, led by winter weather (Relatively High). 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 | $203,900 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)