Home Insurance in South Renovo, Pennsylvania
Homes in South Renovo carry a median value of $60,600 - 66% lower than the Clinton County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in South Renovo was built in 1939 or earlier. About 96% of homes were built before 1960, about 53 points above Clinton County's 43%.
The housing stock in South Renovo is 100% single-family homes.
In South Renovo, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
South Renovo has an owner-occupancy rate of 87% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
Most homes in South Renovo - 69% - are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Clinton County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. 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 | $60,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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)