Home Insurance in Casselman, Pennsylvania
Homes in Casselman carry a median value of $84,400 - 44% lower than the Somerset County median.
The typical home in Casselman was built around 1965. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 49% of homes were built before 1960, about 2 points above Somerset County's 47%.
The housing stock in Casselman is 81% single-family homes and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 32% of owner-occupied homes in Casselman have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Casselman has an owner-occupancy rate of 100% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Casselman - 82% - are primarily heated with fuel oil.
Somerset County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Somerset County had 285 active NFIP flood policies as of September 2026. See the full Somerset County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners 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 | $84,400 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Somerset County | 285 |
| 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)