Home Insurance in South Connellsville, Pennsylvania
Homes in South Connellsville carry a median value of $112,000 - 22% lower than the Fayette County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in South Connellsville was built around 1957. About 54% of homes were built before 1960, about 3 points above Fayette County's 51%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in South Connellsville is 81% single-family homes, 3% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
About 49% of owner-occupied homes in South Connellsville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
South Connellsville has an owner-occupancy rate of 75% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In South Connellsville, 53% of homes are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Fayette County had 266 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). 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 | $112,000 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)