Home Insurance in Cochranton, Pennsylvania
The median home value in Cochranton is $130,500, 15% lower than the Crawford County median.
The typical home in Cochranton was built around 1956. About 57% of homes were built before 1960, about 12 points above Crawford County's 44%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Cochranton, the housing stock is 69% single-family homes, 16% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
54% of owner-occupied homes in Cochranton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Cochranton are owner-occupied.
In Cochranton, 77% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Cochranton? FEMA's National Risk Index points to winter weather (Relatively High) in Crawford County and 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.
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 | $130,500 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)