Home Insurance in Central City, Pennsylvania
With a median home value of $67,400, Central City is 55% lower than the Somerset County median.
The typical home in Central City was built around 1945. About 76% of homes were built before 1960, about 30 points above Somerset County's 47%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Central City, the housing stock is 85% single-family homes, 7% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Central City, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Central City has an owner-occupancy rate of 89% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
54% of homes in Central City 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.
Somerset County had 285 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). 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 | $67,400 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)