Home Insurance in Port Allegany, Pennsylvania
With a median home value of $112,500, Port Allegany is 8% higher than the McKean County median.
The typical home in Port Allegany was built around 1947. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 64% of homes were built before 1960, about 6 points above McKean County's 59%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Port Allegany is 74% single-family homes, 7% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
53% of owner-occupied homes in Port Allegany carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Port Allegany has an owner-occupancy rate of 68% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Port Allegany - 94% - are primarily heated with natural gas.
McKean County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. McKean County had 211 active NFIP flood policies as of September 2026. See the full McKean County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Pennsylvania is $1,217 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $112,500 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)