Home Insurance in Elkland, Pennsylvania
With a median home value of $159,400, Elkland is 12% lower than the Tioga County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Elkland was built around 1943. About 59% of homes were built before 1960, about 18 points above Tioga County's 41%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Elkland is 66% single-family homes, 8% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Elkland, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Elkland are owner-occupied.
In Elkland, 89% of homes are primarily heated with natural gas.
FEMA rates Tioga County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Tioga County had 248 active NFIP flood policies as of September 2026. See the full Tioga 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 | $159,400 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Tioga County | 248 |
| 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)