Home Insurance in Indiana County, Pennsylvania
With a median home value of $152,800, Indiana County is 40% lower than the Pennsylvania median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Indiana County was built around 1970. About 39% of homes were built before 1960, about 6 points below Pennsylvania's 45%.
In Indiana County, the housing stock is 72% single-family homes, 12% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 47% of owner-occupied homes in Indiana County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Indiana County are owner-occupied.
Most homes in Indiana County - 55% - are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Indiana County's top hazards are inland flooding (Relatively Moderate), hurricane (Relatively Low) and hail (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Indiana County has 200 active NFIP flood policies on file.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Pennsylvania carries a statewide average premium of $1,217 per year.
Key figures
| Median home value | $152,800 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Hurricane (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 200 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
- Armagh
- Blairsville
- Cherry Tree
- Clymer
- Creekside
- Ernest
- Glen Campbell
- Homer City
- Indiana
- Marion Center
- Plumville
- Saltsburg
- Shelocta
- Smicksburg
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)