Home Insurance in Wheatland, Pennsylvania
Homes in Wheatland carry a median value of $67,700 - 59% lower than the Mercer County median.
The typical home in Wheatland was built around 1955. About 64% of homes were built before 1960, about 17 points above Mercer County's 47%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Wheatland is 84% single-family homes, 10% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Wheatland, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Wheatland has an owner-occupancy rate of 59% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Wheatland, 91% of homes are primarily heated with natural gas.
Mercer County had 86 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). 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 | $67,700 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 31% |
| 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)