Home Insurance in Galeton, Pennsylvania
Homes in Galeton carry a median value of $104,500 - 32% lower than the Potter County median.
The median home in Galeton was built in 1939 or earlier. About 73% of homes were built before 1960, about 33 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 Galeton is 80% single-family homes, 6% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Galeton, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Galeton has an owner-occupancy rate of 70% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
Most homes in Galeton - 85% - are primarily heated with natural gas.
Potter County's top FEMA-rated hazard is hurricane (Very Low), per FEMA's National Risk Index. 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.
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 | $104,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)