Home Insurance in McKean County, Pennsylvania
The median home value in McKean County is $104,500, 59% lower than the Pennsylvania median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in McKean County was built around 1953. About 59% of homes were built before 1960, about 14 points above Pennsylvania's 45%.
The housing stock in McKean County is 80% single-family homes, 4% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
46% of owner-occupied homes in McKean County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
McKean County has an owner-occupancy rate of 78% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in McKean County - 80% - are primarily heated with natural gas.
The top hazards for McKean County, per FEMA's National Risk Index, are winter weather (Relatively Moderate), inland flooding (Relatively Moderate) and hurricane (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, McKean County has 211 active NFIP flood policies on file.
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 | $104,500 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Inland Flooding (Relatively Moderate), Hurricane (Relatively Low) |
| Active NFIP flood policies (county) | 211 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)