Home Insurance in Venango County, Pennsylvania
The median home value in Venango County is $119,800, 53% lower than the Pennsylvania median.
The typical home in Venango County was built around 1959. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 51% of homes were built before 1960, about 6 points above Pennsylvania's 45%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Venango County is 79% single-family homes, 5% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
44% of owner-occupied homes in Venango County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Venango County has an owner-occupancy rate of 75% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 68% of homes in Venango County are primarily heated with natural gas.
The top hazards for Venango County, per FEMA's National Risk Index, are inland flooding (Relatively Moderate), strong wind (Relatively Moderate) and hurricane (Very Low).
Venango County had 126 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $119,800 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Strong Wind (Relatively Moderate), Hurricane (Very Low) |
| Active NFIP flood policies (county) | 126 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
- Barkeyville
- Clintonville
- Cooperstown
- Emlenton
- Franklin
- Oil City
- Pleasantville
- Polk
- Rouseville
- Sugarcreek
- Utica
Sources
- 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)