Home Insurance in Big Run, Pennsylvania
The median home value in Big Run is $107,700, 23% lower than the Jefferson County median.
The typical home in Big Run was built around 1940. About 69% of homes were built before 1960, about 20 points above Jefferson County's 49%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Big Run is 78% single-family homes, 3% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Big Run, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 70% of occupied homes in Big Run are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Big Run - 85% - are primarily heated with natural gas.
FEMA rates Jefferson County's overall risk as Relatively Low, led by winter weather (Relatively Moderate). Jefferson County had 167 active NFIP flood policies as of September 2026. See the full Jefferson County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $107,700 |
|---|---|
| Median year built | 1940 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Jefferson County | 167 |
| 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)