Home Insurance in Somerset County, Pennsylvania
The median home value in Somerset County is $150,600, 41% lower than the Pennsylvania median.
The typical home in Somerset County was built around 1964. About 47% of homes were built before 1960, about 2 points above Pennsylvania's 45%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Somerset County, the housing stock is 79% single-family homes, 6% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
45% of owner-occupied homes in Somerset County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Somerset County are owner-occupied.
In Somerset County, 37% of homes are primarily heated with fuel oil. 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.
FEMA's National Risk Index lists inland flooding (Relatively Moderate), winter weather (Relatively Moderate) and hurricane (Relatively Low) as the leading hazards for Somerset County.
As of September 2026, Somerset County has 285 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $150,600 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Winter Weather (Relatively Moderate), Hurricane (Relatively Low) |
| Active NFIP flood policies (county) | 285 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
- Addison
- Benson
- Berlin
- Boswell
- Callimont
- Casselman
- Central City
- Confluence
- Garrett
- Hooversville
- Indian Lake
- Jennerstown
- Meyersdale
- New Baltimore
- New Centerville
- Paint
- Rockwood
- Salisbury
- Seven Springs
- Shanksville
- Somerset
- Stoystown
- Ursina
- Wellersburg
- Windber
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)