Home Insurance in Forest County, Pennsylvania
Homes in Forest County carry a median value of $115,300 - 55% lower than the Pennsylvania median.
The typical home in Forest County was built around 1970. About 32% of homes were built before 1960, about 13 points below Pennsylvania's 45%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Forest County is 83% single-family homes, 2% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
26% of owner-occupied homes in Forest County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 78% of occupied homes in Forest County are owner-occupied. The vacancy rate is 72%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Forest County, 46% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Forest County's top hazards are hurricane (Very Low), inland flooding (Relatively Low) and earthquake (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Forest County had 20 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $115,300 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top hazards (FEMA National Risk Index) | Hurricane (Very Low), Inland Flooding (Relatively Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 20 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
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)