Home Insurance in Broad Top City, Pennsylvania
Homes in Broad Top City carry a median value of $111,200 - 39% lower than the Huntingdon County median.
The typical home in Broad Top City was built around 1976. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 32% of homes were built before 1960, about 8 points below Huntingdon County's 39%.
The housing stock in Broad Top City is 73% single-family homes and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Broad Top City, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in Broad Top City are owner-occupied.
In Broad Top City, 59% of homes are primarily heated with fuel oil. Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Huntingdon County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Huntingdon County had 263 active NFIP flood policies as of September 2026. See the full Huntingdon County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Pennsylvania, the statewide average premium for a standard HO-3 homeowners policy is $1,217 per year (NAIC, 2023 data).
Key figures
| Median home value | $111,200 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Huntingdon County | 263 |
| 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)