Home Insurance in Ellport, Pennsylvania
With a median home value of $165,100, Ellport is 12% higher than the Lawrence County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Ellport was built around 1953. About 74% of homes were built before 1960, about 18 points above Lawrence County's 56%.
In Ellport, the housing stock is 94% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
62% of owner-occupied homes in Ellport 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 88% of occupied homes in Ellport are owner-occupied.
In Ellport, 89% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Ellport? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Lawrence County and Lawrence County had 159 active NFIP flood policies as of September 2026. See the full Lawrence 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 | $165,100 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Lawrence County | 159 |
| 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)