Home Insurance in Port Carbon, Pennsylvania
Homes in Port Carbon carry a median value of $112,000 - 27% lower than the Schuylkill County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Port Carbon was built in 1939 or earlier. About 84% of homes were built before 1960, about 23 points above Schuylkill County's 61%.
The housing stock in Port Carbon is 82% single-family homes, 7% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Port Carbon, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 77% of occupied homes in Port Carbon are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Port Carbon - 52% - 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.
FEMA rates Schuylkill County's overall risk as Relatively Moderate, led by winter weather (Relatively High). Schuylkill County had 694 active NFIP flood policies as of September 2026. 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 | $112,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)