Home Insurance in Clarion County, Pennsylvania
Homes in Clarion County carry a median value of $155,700 - 39% lower than the Pennsylvania median.
The typical home in Clarion County was built around 1967. About 43% of homes were built before 1960, about 2 points below Pennsylvania's 45%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Clarion County, the housing stock is 76% single-family homes, 7% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 48% of owner-occupied homes in Clarion County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Clarion County are owner-occupied.
Most homes in Clarion County - 71% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Clarion County, per FEMA's National Risk Index, are hurricane (Relatively Low), inland flooding (Relatively Low) and strong wind (Relatively Low).
As of September 2026, Clarion County has 59 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Pennsylvania is $1,217 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $155,700 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Inland Flooding (Relatively Low), Strong Wind (Relatively Low) |
| Active NFIP flood policies (county) | 59 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
- Callensburg
- Clarion
- East Brady
- Foxburg
- Hawthorn
- Knox
- New Bethlehem
- Rimersburg
- Shippenville
- Sligo
- St. Petersburg
- Strattanville
Sources
- 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)