Home Insurance in Coudersport, Pennsylvania
Homes in Coudersport carry a median value of $130,300 - 15% lower than the Potter County median.
The typical home in Coudersport was built around 1946. About 66% of homes were built before 1960, about 26 points above Potter County's 41%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Coudersport, the housing stock is 72% single-family homes, 6% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 44% of owner-occupied homes in Coudersport have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Coudersport are owner-occupied.
In Coudersport, 85% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Coudersport? 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 | $130,300 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)