Home Insurance in Rockhill, Pennsylvania
With a median home value of $157,100, Rockhill is 14% lower than the Huntingdon County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Rockhill was built around 1948. About 69% of homes were built before 1960, about 30 points above Huntingdon County's 39%.
The housing stock in Rockhill is 88% single-family homes and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
44% of owner-occupied homes in Rockhill carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Rockhill has an owner-occupancy rate of 76% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Rockhill - 83% - are primarily heated with fuel oil.
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 | $157,100 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)