Home Insurance in Girard, Pennsylvania
Homes in Girard carry a median value of $160,500 - 9% lower than the Erie County median.
The typical home in Girard was built around 1955. About 56% of homes were built before 1960, about 9 points above Erie County's 46%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Girard breaks down to 62% single-family homes, 9% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 69% of owner-occupied homes in Girard have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 61% of occupied homes in Girard are owner-occupied.
In Girard, 86% of homes are primarily heated with natural gas.
FEMA rates Erie County's overall risk as Relatively Moderate, led by winter weather (Relatively High). Erie County had 365 active NFIP flood policies as of September 2026. See the full Erie 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 | $160,500 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Erie County | 365 |
| 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)