Home Insurance in Shinglehouse, Pennsylvania
Homes in Shinglehouse carry a median value of $78,400 - 49% lower than the Potter County median.
The typical home in Shinglehouse was built around 1955. About 60% of homes were built before 1960, about 19 points above Potter County's 41%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Shinglehouse is 72% single-family homes, 11% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 41% of owner-occupied homes in Shinglehouse have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 64% of occupied homes in Shinglehouse are owner-occupied. The vacancy rate is 9%; 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. In Shinglehouse, 80% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Shinglehouse? 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.
The statewide average premium for a standard HO-3 homeowners policy in Pennsylvania is $1,217 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $78,400 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)