Home Insurance in Huntingdon, Pennsylvania
The median home value in Huntingdon is $198,900, 9% higher than the Huntingdon County median.
The typical home in Huntingdon was built around 1940. About 63% of homes were built before 1960, about 23 points above Huntingdon County's 39%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Huntingdon breaks down to 68% single-family homes and 10% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 45% of owner-occupied homes in Huntingdon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 58% of occupied homes in Huntingdon are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
34% of homes in Huntingdon 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.
Huntingdon County had 263 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Huntingdon County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $198,900 |
|---|---|
| Median year built | 1940 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)