Home Insurance in Ernest, Pennsylvania
The median home value in Ernest is $76,200, 50% lower than the Indiana County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Ernest was built in 1939 or earlier. About 93% of homes were built before 1960, about 54 points above Indiana County's 39%.
In Ernest, the housing stock is 95% single-family homes and 1% mobile or manufactured homes.
In Ernest, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ernest has an owner-occupancy rate of 70% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Ernest - 55% - are primarily heated with fuel oil. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Indiana County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. 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 | $76,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)