Home Insurance in Emlenton, Pennsylvania
Homes in Emlenton carry a median value of $103,900 - 13% lower than the Venango County median.
The typical home in Emlenton was built around 1950. About 58% of homes were built before 1960, about 7 points above Venango County's 51%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Emlenton, the housing stock is 80% single-family homes and 11% apartments in buildings with 5+ units.
About 44% of owner-occupied homes in Emlenton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 62% of occupied homes in Emlenton are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Emlenton, 87% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Emlenton? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Venango County and Venango County had 126 active NFIP flood policies as of September 2026. See the full Venango 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 | $103,900 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Venango County | 126 |
| 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)