Home Insurance in Creekside, Pennsylvania
With a median home value of $75,000, Creekside is 51% lower than the Indiana County median.
The median home in Creekside was built in 1939 or earlier. About 76% of homes were built before 1960, about 37 points above Indiana County's 39%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Creekside, the housing stock is 80% single-family homes and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 48% of owner-occupied homes in Creekside have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 68% of occupied homes in Creekside are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Creekside - 96% - 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 | $75,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 68% |
| 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)