Home Insurance in Oswayo, Pennsylvania
Homes in Oswayo carry a median value of $106,300 - 31% lower than the Potter County median.
The median home in Oswayo was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 81% of homes were built before 1960, about 41 points above Potter County's 41%.
Housing in Oswayo breaks down to 100% single-family homes.
46% of owner-occupied homes in Oswayo carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 81% of occupied homes in Oswayo are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Oswayo - 69% - 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 | $106,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)