Home Insurance in Tionesta, Pennsylvania
Homes in Tionesta carry a median value of $127,500 - 11% higher than the Forest County median.
The typical home in Tionesta was built around 1948. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 57% of homes were built before 1960, about 25 points above Forest County's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Tionesta is 77% single-family homes, 15% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
In Tionesta, about 27% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Tionesta has an owner-occupancy rate of 66% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
Most homes in Tionesta - 70% - are primarily heated with natural gas.
What's the biggest home insurance risk near Tionesta? FEMA's National Risk Index points to hurricane (Very Low) in Forest County and Forest County had 20 active NFIP flood policies as of September 2026. See the full Forest 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 | $127,500 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Hurricane (Very Low) |
| Active NFIP policies in Forest County | 20 |
| 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)