Home Insurance in Austin, Pennsylvania
With a median home value of $89,300, Austin is 42% lower than the Potter County median.
The typical home in Austin was built around 1956. About 57% of homes were built before 1960, about 16 points above Potter County's 41%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Austin is 77% single-family homes and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 43% of owner-occupied homes in Austin have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 72% of occupied homes in Austin are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Austin - 92% - are primarily heated with natural gas.
What's the biggest home insurance risk near Austin? FEMA's National Risk Index points to hurricane (Very Low) in Potter County and Potter County had 87 active NFIP flood policies as of September 2026. See the full Potter County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $89,300 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Hurricane (Very Low) |
| Active NFIP policies in Potter County | 87 |
| 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)