Home Insurance in Renovo, Pennsylvania
The median home value in Renovo is $59,200, 66% lower than the Clinton County median.
The median home in Renovo was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 69% of homes were built before 1960, about 26 points above Clinton County's 43%.
The housing stock in Renovo is 59% single-family homes and 22% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Renovo, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Renovo has an owner-occupancy rate of 39% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
In Renovo, 45% of homes are primarily heated with natural gas. 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 rates Clinton County's overall risk as Relatively Low, led by strong wind (Relatively Moderate). Clinton County had 370 active NFIP flood policies as of September 2026. See the full Clinton 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 | $59,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 39% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Clinton County | 370 |
| 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)