Home Insurance in Volant, Pennsylvania
Homes in Volant carry a median value of $120,800 - 18% lower than the Lawrence County median.
The median home in Volant was built in 1939 or earlier. About 93% of homes were built before 1960, about 38 points above Lawrence County's 56%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Volant is 82% single-family homes, 4% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
About 45% of owner-occupied homes in Volant have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Volant are owner-occupied.
82% of homes in Volant 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.
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 | $120,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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
- New Wilmington
- Mercer
- New Castle
- Grove City
- South New Castle
- Slippery Rock
- West Middlesex
- West Liberty
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)