Home Insurance in Bear Lake, Pennsylvania
The median home value in Bear Lake is $70,000, 45% lower than the Warren County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Bear Lake was built around 1951. About 65% of homes were built before 1960, about 14 points above Warren County's 51%.
The housing stock in Bear Lake is 81% single-family homes and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 43% of owner-occupied homes in Bear Lake have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bear Lake has an owner-occupancy rate of 89% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
38% of homes in Bear Lake are primarily heated with propane. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Bear Lake? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Warren County and Warren County had 167 active NFIP flood policies as of September 2026. See the full Warren 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 | $70,000 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Warren County | 167 |
| 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)