Home Insurance in Port Clinton, Pennsylvania
With a median home value of $135,200, Port Clinton is 12% 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 Clinton was built in 1939 or earlier. About 86% of homes were built before 1960, about 25 points above Schuylkill County's 61%.
The housing stock in Port Clinton is 96% single-family homes and 1% mobile or manufactured homes.
In Port Clinton, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Port Clinton has an owner-occupancy rate of 71% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Port Clinton, 57% of homes are primarily heated with fuel oil.
What's the biggest home insurance risk near Port Clinton? FEMA's National Risk Index points to winter weather (Relatively High) in Schuylkill County and 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.
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 | $135,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)