HomeInsuranceQts

Home Insurance in S.N.P.J., Pennsylvania

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in S.N.P.J. was built around 1959. About 56% of homes were built before 1960, in line with Lawrence County (56%).

Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in S.N.P.J. is 56% single-family homes and 44% mobile or manufactured homes.

In S.N.P.J., about 100% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 44%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in S.N.P.J. are owner-occupied.

100% of homes in S.N.P.J. are primarily heated with natural gas.

FEMA rates Lawrence County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). 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.

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 year built1959
Owner-occupied share100%
Share of owner-occupied homes with a mortgage100%
Top county hazardInland Flooding (Relatively Moderate)
Active NFIP policies in Lawrence County159
Home insurance premium$1,217 - statewide average (NAIC, 2023 data)
Key home insurance figures for S.N.P.J., PA

Nearby towns

Sources

Data last updated: 2026-09-29