Home Insurance in Elk County, Pennsylvania
The median home value in Elk County is $133,600, 48% lower than the Pennsylvania median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Elk County was built around 1961. About 48% of homes were built before 1960, about 3 points above Pennsylvania's 45%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Elk County is 82% single-family homes, 5% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
40% of owner-occupied homes in Elk County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Elk County are owner-occupied.
Most homes in Elk County - 71% - are primarily heated with natural gas.
The top hazards for Elk County, per FEMA's National Risk Index, are inland flooding (Relatively Low), winter weather (Relatively Moderate) and hurricane (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Elk County has 118 active NFIP flood policies on file.
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 | $133,600 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Low), Winter Weather (Relatively Moderate), Hurricane (Relatively Low) |
| Active NFIP flood policies (county) | 118 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)