Home Insurance in Cambridge Springs, Pennsylvania
The median home value in Cambridge Springs is $109,600, 28% lower than the Crawford County median.
The median home in Cambridge Springs was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 80% of homes were built before 1960, about 36 points above Crawford County's 44%.
In Cambridge Springs, the housing stock is 67% single-family homes, 14% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 68% of owner-occupied homes in Cambridge Springs have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Cambridge Springs has an owner-occupancy rate of 59% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
82% of homes in Cambridge Springs are primarily heated with natural gas.
FEMA rates Crawford County's overall risk as Relatively Low, led by winter weather (Relatively High). Crawford County had 315 active NFIP flood policies as of September 2026. See the full Crawford County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Pennsylvania is $1,217 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $109,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Crawford County | 315 |
| 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)