Home Insurance in Tidioute, Pennsylvania
With a median home value of $78,300, Tidioute is 39% lower than the Warren County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Tidioute was built around 1941. About 64% of homes were built before 1960, about 13 points above Warren County's 51%.
In Tidioute, the housing stock is 72% single-family homes, 20% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
39% of owner-occupied homes in Tidioute carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Tidioute has an owner-occupancy rate of 70% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Tidioute - 70% - are primarily heated with natural gas.
What's the biggest home insurance risk near Tidioute? 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.
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 | $78,300 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)