Home Insurance in Stillwater, Pennsylvania
With a median home value of $186,100, Stillwater is 10% lower than the Columbia County median.
The typical home in Stillwater was built around 1960. About 51% of homes were built before 1960, about 12 points above Columbia County's 39%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Stillwater is 82% single-family homes and 11% mobile or manufactured homes.
About 50% of owner-occupied homes in Stillwater have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Stillwater has an owner-occupancy rate of 88% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 31% of homes in Stillwater are primarily heated with electricity.
What's the biggest home insurance risk near Stillwater? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Columbia County and 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.
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 | $186,100 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)