Home Insurance in Houtzdale, Pennsylvania
With a median home value of $110,700, Houtzdale is 19% lower than the Clearfield County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Houtzdale was built around 1946. About 65% of homes were built before 1960, about 22 points above Clearfield County's 43%.
In Houtzdale, the housing stock is 81% single-family homes, 3% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 45% of owner-occupied homes in Houtzdale have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 80% of occupied homes in Houtzdale are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Houtzdale - 65% - are primarily heated with fuel oil.
Clearfield County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Clearfield County had 251 active NFIP flood policies as of September 2026. See the full Clearfield 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 | $110,700 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Clearfield County | 251 |
| 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)