Home Insurance in Mahaffey, Pennsylvania
The median home value in Mahaffey is $76,500, 44% lower than the Clearfield County median.
The typical home in Mahaffey was built around 1947. About 64% of homes were built before 1960, about 21 points above Clearfield County's 43%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Mahaffey, the housing stock is 85% single-family homes and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
39% of owner-occupied homes in Mahaffey carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Mahaffey has an owner-occupancy rate of 81% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Mahaffey - 54% - 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.
FEMA rates Clearfield County's overall risk as Relatively Low, led by winter weather (Relatively High). 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.
In Pennsylvania, the statewide average premium for a standard HO-3 homeowners policy is $1,217 per year (NAIC, 2023 data).
Key figures
| Median home value | $76,500 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)