Home Insurance in Cassville, Pennsylvania
The median home value in Cassville is $163,400, 11% lower than the Huntingdon County median.
The median home in Cassville was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 71% of homes were built before 1960, about 32 points above Huntingdon County's 39%.
The housing stock in Cassville is 87% single-family homes and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
64% of owner-occupied homes in Cassville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Cassville has an owner-occupancy rate of 97% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Cassville, 48% of homes are primarily heated with fuel oil. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Cassville? FEMA's National Risk Index points to strong wind (Relatively High) in Huntingdon County and 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 | $163,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)