Home Insurance in Strattanville, Pennsylvania
With a median home value of $131,300, Strattanville is 16% lower than the Clarion County median.
The typical home in Strattanville was built around 1974. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 36% of homes were built before 1960, about 7 points below 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 Strattanville is 69% single-family homes, 6% apartments in buildings with 5+ units and 21% mobile or manufactured homes.
50% of owner-occupied homes in Strattanville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 64% of occupied homes in Strattanville are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Strattanville - 80% - 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 | $131,300 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)