Home Insurance in Claysville, Pennsylvania
With a median home value of $138,900, Claysville is 39% lower than the Washington County median.
The median home in Claysville was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 82% of homes were built before 1960, about 38 points above Washington County's 44%.
In Claysville, the housing stock is 81% single-family homes, 9% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Claysville, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 87% of occupied homes in Claysville are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Claysville, 72% of homes are primarily heated with natural gas.
Washington County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Washington County had 619 active NFIP flood policies as of September 2026. See the full Washington 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 | $138,900 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Washington County | 619 |
| 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)