Home Insurance in Clarion, Pennsylvania
Homes in Clarion carry a median value of $163,200 - close to the Clarion County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Clarion was built around 1959. About 52% of homes were built before 1960, about 9 points above Clarion County's 43%.
In Clarion, the housing stock is 49% single-family homes, 25% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
62% of owner-occupied homes in Clarion carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 42% of occupied homes in Clarion are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Clarion, 71% of homes are primarily heated with natural gas.
Clarion County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Clarion County had 59 active NFIP flood policies as of September 2026. See the full Clarion County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $163,200 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 42% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Clarion County | 59 |
| 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)