Home Insurance in Catawissa, Pennsylvania
The median home value in Catawissa is $145,900, 29% lower than the Columbia County median.
The typical home in Catawissa was built around 1946. About 64% of homes were built before 1960, about 25 points above Columbia County's 39%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Catawissa, the housing stock is 64% single-family homes, 21% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 61% of owner-occupied homes in Catawissa have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Catawissa are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Catawissa, 55% of homes are primarily heated with fuel oil.
FEMA rates Columbia County's overall risk as Relatively Low, led by winter weather (Relatively Moderate). Columbia County had 540 active NFIP flood policies as of September 2026. See the full Columbia 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 | $145,900 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Columbia County | 540 |
| 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)