Home Insurance in Warren County, Pennsylvania
The median home value in Warren County is $127,500, 50% lower than the Pennsylvania median.
The typical home in Warren County was built around 1959. About 51% of homes were built before 1960, about 6 points above Pennsylvania's 45%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Warren County is 79% single-family homes, 5% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
In Warren County, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Warren County has an owner-occupancy rate of 79% and a vacancy rate of 25%; 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. In Warren County, 68% of homes are primarily heated with natural gas.
The top hazards for Warren County, per FEMA's National Risk Index, are inland flooding (Relatively Moderate), strong wind (Relatively Moderate) and hurricane (Very Low).
Warren County had 167 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 | $127,500 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Strong Wind (Relatively Moderate), Hurricane (Very Low) |
| Active NFIP flood policies (county) | 167 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
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)