Home Insurance in Hermitage, Pennsylvania
With a median home value of $199,500, Hermitage is 22% higher than the Mercer County median.
The typical home in Hermitage was built around 1970. About 31% of homes were built before 1960, about 16 points below Mercer County's 47%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hermitage is 76% single-family homes, 17% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
52% of owner-occupied homes in Hermitage carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 70% of occupied homes in Hermitage are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Hermitage - 76% - are primarily heated with natural gas.
What's the biggest home insurance risk near Hermitage? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Mercer County and 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.
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 | $199,500 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)