Home Insurance in Shelocta, Pennsylvania
With a median home value of $150,000, Shelocta is close to the Indiana County median.
The typical home in Shelocta was built around 1953. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 60% of homes were built before 1960, about 21 points above Indiana County's 39%.
The housing stock in Shelocta is 85% single-family homes and 15% apartments in buildings with 5+ units.
In Shelocta, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Shelocta are owner-occupied.
Most homes in Shelocta - 94% - are primarily heated with natural gas.
Indiana County had 200 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). 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.
The statewide average premium for a standard HO-3 homeowners policy in Pennsylvania is $1,217 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $150,000 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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)