Home Insurance in Ursina, Pennsylvania
The median home value in Ursina is $104,200, 31% lower than the Somerset County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Ursina was built around 1954. About 59% of homes were built before 1960, about 13 points above Somerset County's 47%.
The housing stock in Ursina is 66% single-family homes, 1% apartments in buildings with 5+ units and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Ursina, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Ursina are owner-occupied.
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 Ursina, 66% of homes are primarily heated with fuel oil.
What's the biggest home insurance risk near Ursina? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Somerset County and 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Pennsylvania carries a statewide average premium of $1,217 per year.
Key figures
| Median home value | $104,200 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)