Home Insurance in Blairsville, Pennsylvania
The median home value in Blairsville is $105,900, 31% lower than the Indiana County median.
The typical home in Blairsville was built around 1954. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 62% of homes were built before 1960, about 23 points above Indiana County's 39%.
In Blairsville, the housing stock is 73% single-family homes and 13% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Blairsville, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 64% of occupied homes in Blairsville are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Blairsville - 81% - are primarily heated with natural gas.
FEMA rates Indiana County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Indiana County had 200 active NFIP flood policies as of September 2026. See the full Indiana County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $105,900 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Indiana County | 200 |
| 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)