Home Insurance in Carmichaels, Pennsylvania
With a median home value of $150,000, Carmichaels is close to the Greene County median.
The typical home in Carmichaels was built around 1949. About 69% of homes were built before 1960, about 19 points above Greene County's 50%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Carmichaels, the housing stock is 77% single-family homes, 6% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
51% of owner-occupied homes in Carmichaels carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Carmichaels are owner-occupied.
Most homes in Carmichaels - 70% - are primarily heated with natural gas.
Greene County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Greene County had 98 active NFIP flood policies as of September 2026. See the full Greene County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners 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 | $150,000 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Greene County | 98 |
| 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)