Home Insurance in St. Petersburg, Pennsylvania
Homes in St. Petersburg carry a median value of $98,000 - 37% lower than the Clarion County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in St. Petersburg was built around 1949. About 53% of homes were built before 1960, about 10 points above Clarion County's 43%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in St. Petersburg is 80% single-family homes and 11% mobile or manufactured homes.
60% of owner-occupied homes in St. Petersburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 84% of occupied homes in St. Petersburg are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in St. Petersburg - 99% - 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.
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 | $98,000 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)