Home Insurance in Brockway, Pennsylvania
Homes in Brockway carry a median value of $133,800 - close to the Jefferson County median.
The typical home in Brockway was built around 1945. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 67% of homes were built before 1960, about 17 points above Jefferson County's 49%.
The housing stock in Brockway is 73% single-family homes, 15% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
53% of owner-occupied homes in Brockway carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Brockway are owner-occupied.
Most homes in Brockway - 79% - 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Pennsylvania carries a statewide average premium of $1,217 per year.
Key figures
| Median home value | $133,800 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)