Home Insurance in Hallstead, Pennsylvania
Homes in Hallstead carry a median value of $128,200 - 41% lower than the Susquehanna County median.
The typical home in Hallstead was built around 1949. About 58% of homes were built before 1960, about 23 points above Susquehanna County's 35%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Hallstead is 64% single-family homes, 17% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
49% of owner-occupied homes in Hallstead carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hallstead has an owner-occupancy rate of 63% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
37% of homes in Hallstead 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.
Susquehanna County had 203 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). 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 | $128,200 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 63% |
| 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)