Home Insurance in Forest City, Pennsylvania
Homes in Forest City carry a median value of $143,900 - 34% lower than the Susquehanna County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Forest City was built around 1951. About 57% of homes were built before 1960, about 22 points above Susquehanna County's 35%.
In Forest City, the housing stock is 69% single-family homes, 10% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Forest City, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 67% of occupied homes in Forest City are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Forest City, 40% of homes 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.
FEMA rates Susquehanna County's overall risk as Relatively Low, led by hurricane (Relatively Low). Susquehanna County had 203 active NFIP flood policies as of September 2026. See the full Susquehanna County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $143,900 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Susquehanna County | 203 |
| 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)