Home Insurance in Shippenville, Pennsylvania
Homes in Shippenville carry a median value of $129,600 - 17% lower than the Clarion County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Shippenville was built around 1957. About 52% of homes were built before 1960, about 9 points above Clarion County's 43%.
The housing stock in Shippenville is 71% single-family homes and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Shippenville, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Shippenville are owner-occupied.
In Shippenville, 93% of homes are primarily heated with natural gas.
FEMA rates Clarion County's overall risk as Very Low, led by hurricane (Relatively Low). 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.
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 | $129,600 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)