Home Insurance in Crawford County, Pennsylvania
The median home value in Crawford County is $153,200, 40% lower than the Pennsylvania median.
The typical home in Crawford County was built around 1966. About 44% of homes were built before 1960, in line with Pennsylvania (45%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Crawford County, the housing stock is 75% single-family homes, 6% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Crawford County, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 75% of occupied homes in Crawford County are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Crawford County, 47% of homes are primarily heated with natural gas. 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.
Per FEMA's National Risk Index, Crawford County's top hazards are winter weather (Relatively High), inland flooding (Relatively Moderate) and strong wind (Relatively High).
As of September 2026, Crawford County has 315 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $153,200 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Inland Flooding (Relatively Moderate), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 315 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
- Blooming Valley
- Cambridge Springs
- Centerville
- Cochranton
- Conneaut Lake
- Conneautville
- Hydetown
- Linesville
- Spartansburg
- Springboro
- Titusville
- Townville
- Venango
- Woodcock
Smaller communities
-
Meadville
- Median home value: $116,400
- Median year built: 1950
- Owner-occupied share: 34%
-
Saegertown
- Median home value: $161,600
- Median year built: 1962
- Owner-occupied share: 70%
Sources
- 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)