Home Insurance in Titusville, Pennsylvania
Homes in Titusville carry a median value of $79,200 - 48% lower than the Crawford County median.
The typical home in Titusville was built around 1944. About 66% of homes were built before 1960, about 21 points above Crawford County's 44%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Titusville breaks down to 66% single-family homes, 16% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 50% of owner-occupied homes in Titusville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Titusville has an owner-occupancy rate of 57% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
77% of homes in Titusville are primarily heated with natural gas.
Crawford County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Pennsylvania carries a statewide average premium of $1,217 per year.
Key figures
| Median home value | $79,200 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)