Home Insurance in Spartansburg, Pennsylvania
Homes in Spartansburg carry a median value of $95,000 - 38% lower than the Crawford County median.
The median home in Spartansburg was built in 1939 or earlier. About 77% of homes were built before 1960, about 32 points above Crawford County's 44%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Spartansburg breaks down to 88% single-family homes, 6% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Spartansburg, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Spartansburg has an owner-occupancy rate of 81% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Spartansburg - 52% - are primarily heated with propane. 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.
Crawford County had 315 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). 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 | $95,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)