Home Insurance in Jefferson, Pennsylvania
With a median home value of $145,700, Jefferson is 5% lower than the Greene County median.
The typical home in Jefferson was built around 1951. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 60% of homes were built before 1960, about 10 points above Greene County's 50%.
In Jefferson, the housing stock is 81% single-family homes and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 72% of owner-occupied homes in Jefferson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 85% of occupied homes in Jefferson are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Jefferson, 82% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Jefferson? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Greene County and 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 | $145,700 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)