Home Insurance in Ellwood City, Pennsylvania
The median home value in Ellwood City is $122,800, 17% lower 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 Ellwood City was built around 1944. About 79% of homes were built before 1960, about 24 points above Lawrence County's 56%.
The housing stock in Ellwood City is 83% single-family homes and 8% apartments in buildings with 5+ units.
In Ellwood City, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Ellwood City are owner-occupied.
Most homes in Ellwood City - 87% - are primarily heated with natural gas.
Lawrence County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. 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 | $122,800 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)