Home Insurance in Wesleyville, Pennsylvania
With a median home value of $108,600, Wesleyville is 39% lower than the Erie County median.
The typical home in Wesleyville was built around 1949. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 66% of homes were built before 1960, about 20 points above Erie County's 46%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Wesleyville is 68% single-family homes, 3% apartments in buildings with 5+ units and 13% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 68% of owner-occupied homes in Wesleyville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 70% of occupied homes in Wesleyville are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
93% of homes in Wesleyville 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.
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 | $108,600 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)