Home Insurance in East Brady, Pennsylvania
The median home value in East Brady is $143,500, 8% lower than the Clarion County median.
The typical home in East Brady was built around 1946. About 61% of homes were built before 1960, about 18 points above Clarion County's 43%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In East Brady, the housing stock is 69% single-family homes, 19% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In East Brady, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in East Brady are owner-occupied.
74% of homes in East Brady are primarily heated with natural gas.
Clarion County had 59 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Clarion County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Pennsylvania, the statewide average premium for a standard HO-3 homeowners policy is $1,217 per year (NAIC, 2023 data).
Key figures
| Median home value | $143,500 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)