Home Insurance in Conneaut Lake, Pennsylvania
With a median home value of $143,200, Conneaut Lake is 7% lower than the Crawford County median.
The typical home in Conneaut Lake was built around 1950. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 64% of homes were built before 1960, about 20 points above Crawford County's 44%.
Housing in Conneaut Lake breaks down to 62% single-family homes, 11% 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 Conneaut Lake have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 58% of occupied homes in Conneaut Lake are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
77% of homes in Conneaut Lake 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 | $143,200 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 58% |
| 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)