Home Insurance in Warren, Pennsylvania
The median home value in Warren is $103,800, 19% lower than the Warren County median.
The median home in Warren was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 79% of homes were built before 1960, about 29 points above Warren County's 51%.
Housing in Warren breaks down to 69% single-family homes and 13% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 42% of owner-occupied homes in Warren have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Warren has an owner-occupancy rate of 62% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Warren - 83% - are primarily heated with natural gas.
FEMA rates Warren County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Pennsylvania carries a statewide average premium of $1,217 per year.
Key figures
| Median home value | $103,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)