Home Insurance in Clearfield County, Pennsylvania
With a median home value of $137,000, Clearfield County is 46% lower than the Pennsylvania median.
The typical home in Clearfield County was built around 1970. About 43% of homes were built before 1960, about 2 points below Pennsylvania's 45%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Clearfield County is 77% single-family homes, 6% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
45% of owner-occupied homes in Clearfield County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Clearfield County are owner-occupied.
In Clearfield County, 40% of homes are primarily heated with fuel oil. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists winter weather (Relatively High), strong wind (Relatively Moderate) and inland flooding (Relatively Moderate) as the leading hazards for Clearfield County.
Clearfield County had 251 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $137,000 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Strong Wind (Relatively Moderate), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 251 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
- Brisbin
- Burnside
- Chester Hill
- Clearfield
- Coalport
- Curwensville
- DuBois
- Glen Hope
- Grampian
- Houtzdale
- Irvona
- Mahaffey
- New Washington
- Newburg
- Osceola Mills
- Ramey
- Troutville
- Wallaceton
- Westover
Sources
- 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)