Home Insurance in Schuylkill County, Pennsylvania
With a median home value of $153,000, Schuylkill County is 40% lower than the Pennsylvania median.
The typical home in Schuylkill County was built around 1946. About 61% of homes were built before 1960, about 16 points above Pennsylvania's 45%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Schuylkill County, the housing stock is 84% single-family homes, 6% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
48% of owner-occupied homes in Schuylkill County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Schuylkill County are owner-occupied.
In Schuylkill County, 47% of homes are primarily heated with fuel oil. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Schuylkill County, per FEMA's National Risk Index, are winter weather (Relatively High), inland flooding (Relatively Moderate) and strong wind (Relatively High).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Schuylkill County has 694 active NFIP flood policies on file.
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 | $153,000 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Inland Flooding (Relatively Moderate), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 694 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
- Ashland
- Auburn
- Coaldale
- Cressona
- Deer Lake
- Frackville
- Gilberton
- Girardville
- Gordon
- Landingville
- Mahanoy City
- McAdoo
- Mechanicsville
- Middleport
- Minersville
- Mount Carbon
- New Philadelphia
- New Ringgold
- Orwigsburg
- Palo Alto
- Pine Grove
- Port Carbon
- Port Clinton
- Pottsville
- Ringtown
- Schuylkill Haven
- Shenandoah
- St. Clair
- Tamaqua
- Tower City
- Tremont
Sources
- 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)