Home Insurance in Wellsboro, Pennsylvania
Homes in Wellsboro carry a median value of $225,200 - 24% higher than the Tioga County median.
The median home in Wellsboro was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 67% of homes were built before 1960, about 26 points above Tioga County's 41%.
Housing in Wellsboro breaks down to 75% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
57% of owner-occupied homes in Wellsboro carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Wellsboro has an owner-occupancy rate of 66% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
89% of homes in Wellsboro are primarily heated with natural gas.
What's the biggest home insurance risk near Wellsboro? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Tioga County and 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.
The statewide average premium for a standard HO-3 homeowners policy in Pennsylvania is $1,217 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $225,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)