Home Insurance in Smethport, Pennsylvania
Homes in Smethport carry a median value of $116,100 - 11% higher than the McKean County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Smethport was built around 1945. About 60% of homes were built before 1960, about 2 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 Smethport is 58% single-family homes, 4% apartments in buildings with 5+ units and 16% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
44% of owner-occupied homes in Smethport carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 70% of occupied homes in Smethport are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Smethport - 89% - are primarily heated with natural gas.
What's the biggest home insurance risk near Smethport? FEMA's National Risk Index points to winter weather (Relatively Moderate) in McKean County and 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 | $116,100 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)