Home Insurance in McAdoo, Pennsylvania
With a median home value of $90,000, McAdoo is 41% lower than the Schuylkill County median.
The typical home in McAdoo was built around 1943. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 74% of homes were built before 1960, about 13 points above Schuylkill County's 61%.
Housing in McAdoo breaks down to 71% single-family homes and 7% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 54% of owner-occupied homes in McAdoo have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
McAdoo has an owner-occupancy rate of 54% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
In McAdoo, 49% of homes are primarily heated with fuel oil. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Schuylkill County had 694 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Schuylkill 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 | $90,000 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Schuylkill County | 694 |
| 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)