Home Insurance in Huntingdon County, Pennsylvania
With a median home value of $183,200, Huntingdon County is 28% lower than the Pennsylvania median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Huntingdon County was built around 1972. About 39% of homes were built before 1960, about 6 points below Pennsylvania's 45%.
The housing stock in Huntingdon County is 79% single-family homes, 3% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Huntingdon County, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Huntingdon County are owner-occupied.
44% of homes in Huntingdon County are primarily heated with fuel oil. 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.
Per FEMA's National Risk Index, Huntingdon County's top hazards are strong wind (Relatively High), winter weather (Relatively Moderate) and hurricane (Relatively Low).
Huntingdon County had 263 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.
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 | $183,200 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Winter Weather (Relatively Moderate), Hurricane (Relatively Low) |
| Active NFIP flood policies (county) | 263 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
- Alexandria
- Birmingham
- Broad Top City
- Cassville
- Dudley
- Huntingdon
- Mapleton
- Mill Creek
- Mount Union
- Orbisonia
- Petersburg
- Rockhill
- Saltillo
- Shade Gap
- Shirleysburg
- Three Springs
Smaller communities
-
Coalmont
- Median home value: $95,000
- Median year built: 1949
- Owner-occupied share: 79%
-
Marklesburg
- Median home value: $163,200
- Median year built: 1984
- Owner-occupied share: 89%
Sources
- 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)