Home Insurance in Smicksburg, Pennsylvania
Homes in Smicksburg carry a median value of $68,800 - 55% lower than the Indiana County median.
The median home in Smicksburg was built in 1939 or earlier. About 92% of homes were built before 1960, about 52 points above Indiana County's 39%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Smicksburg, the housing stock is 100% single-family homes.
47% of owner-occupied homes in Smicksburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Smicksburg has an owner-occupancy rate of 94% and a vacancy rate of 33%; unoccupied homes typically need a different coverage form.
In Smicksburg, 94% of homes are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Smicksburg? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Indiana County and 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.
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 | $68,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)