Home Insurance in Osceola Mills, Pennsylvania
Homes in Osceola Mills carry a median value of $105,700 - 23% lower than the Clearfield County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Osceola Mills was built in 1939 or earlier. About 75% of homes were built before 1960, about 32 points above Clearfield County's 43%.
The housing stock in Osceola Mills is 82% single-family homes, 5% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
59% of owner-occupied homes in Osceola Mills carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Osceola Mills has an owner-occupancy rate of 85% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 79% of homes in Osceola Mills 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.
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 | $105,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)