Home Insurance in Mount Jewett, Pennsylvania
With a median home value of $76,300, Mount Jewett is 27% lower than the McKean County median.
The typical home in Mount Jewett was built around 1946. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 63% of homes were built before 1960, about 4 points above McKean County's 59%.
The housing stock in Mount Jewett is 74% single-family homes and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
47% of owner-occupied homes in Mount Jewett carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 80% of occupied homes in Mount Jewett are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
83% of homes in Mount Jewett are primarily heated with natural gas.
McKean County had 211 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full McKean County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $76,300 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in McKean County | 211 |
| 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)