Home Insurance in North East, Pennsylvania
The median home value in North East is $167,000, 6% lower than the Erie County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in North East was built around 1947. About 63% of homes were built before 1960, about 17 points above Erie County's 46%.
In North East, the housing stock is 62% single-family homes and 9% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In North East, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
North East has an owner-occupancy rate of 53% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in North East - 82% - 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.
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 | $167,000 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)