Home Insurance in Connellsville, Pennsylvania
With a median home value of $122,900, Connellsville is 14% lower than the Fayette County median.
The typical home in Connellsville was built around 1942. About 72% of homes were built before 1960, about 21 points above Fayette County's 51%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Connellsville, the housing stock is 69% single-family homes, 14% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
53% of owner-occupied homes in Connellsville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 54% of occupied homes in Connellsville are owner-occupied.
75% of homes in Connellsville are primarily heated with natural gas.
What's the biggest home insurance risk near Connellsville? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Fayette County and Fayette County had 266 active NFIP flood policies as of September 2026. See the full Fayette County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $122,900 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Fayette County | 266 |
| 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)