Home Insurance in Clark, Pennsylvania
The median home value in Clark is $229,800, 40% higher than the Mercer County median.
The typical home in Clark was built around 1972. About 33% of homes were built before 1960, about 14 points below Mercer County's 47%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Clark, the housing stock is 91% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 60% of owner-occupied homes in Clark have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in Clark are owner-occupied.
Most homes in Clark - 61% - are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Mercer County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Mercer County had 86 active NFIP flood policies as of September 2026. See the full Mercer County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $229,800 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Mercer County | 86 |
| 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)