Home Insurance in Irvona, Pennsylvania
The median home value in Irvona is $91,900, 33% lower than the Clearfield County median.
The typical home in Irvona was built around 1944. About 72% of homes were built before 1960, about 29 points above Clearfield County's 43%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Irvona, the housing stock is 84% single-family homes and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 25% of owner-occupied homes in Irvona have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Irvona has an owner-occupancy rate of 87% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
81% of homes in Irvona are primarily heated with fuel oil. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Irvona? FEMA's National Risk Index points to winter weather (Relatively High) in Clearfield County and 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 | $91,900 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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)