Home Insurance in Jackson Center, Pennsylvania
The median home value in Jackson Center is $122,800, 25% lower than the Mercer County median.
The typical home in Jackson Center was built around 1949. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 55% of homes were built before 1960, about 8 points above Mercer County's 47%.
In Jackson Center, the housing stock is 84% single-family homes and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 64% of owner-occupied homes in Jackson Center have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Jackson Center has an owner-occupancy rate of 90% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
Most homes in Jackson Center - 70% - are primarily heated with natural gas. Homes heated with wood 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Pennsylvania carries a statewide average premium of $1,217 per year.
Key figures
| Median home value | $122,800 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)