Home Insurance in Centralia, Pennsylvania
Housing in Centralia breaks down to 100% single-family homes.
Almost no owner-occupied homes in Centralia carry a mortgage.
All occupied homes in Centralia are owner-occupied.
Most homes in Centralia - 100% - 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 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
| Owner-occupied share | 100% |
|---|---|
| Share of owner-occupied homes with a mortgage | 0% |
| 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)