Flood insurance cost · Cambria County, PA

Flood insurance cost in Cambria County, Pennsylvania

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 337 home policies in force on August 31, 2026.

Cambria County, PennsylvaniaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,040a year

Half of insured homes paid between $730 and $1,457. That is 16% less than the Pennsylvania median ($1,232). Most insured homes here are rated in zone AE (73%).

$0$730 · $1,040 · $1,457$1,821

+8.6% vs Aug 31, 2025 (median $958)

337home policies in force

$1,137average cost (mean)

82%of insured homes in high-risk zones (A, V)

$63,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Cambria County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$1,121	$826–$1,554	$1,236	246 (73%)	+11.0%
Zone A High risk	$824	$589–$1,165	$965	20 (6%)	−1.7%
Zone AO High risk, shallow	$1,357	$1,180–$1,648	$1,407	12 (4%)	+2.5%
Zone X Moderate to low risk	$621	$450–$940	$730	59 (18%)	−1.7%

Not shown (fewer than 10 home policies): VE, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Cambria County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	309	$1,028	$1,130
2–4 unit building	26	$1,183	$1,223
Whole residential building (5+ units or condo association) One policy covers the whole building, so the cost is much higher than for a single home.	19	$1,666	$1,767
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	205	$2,528	$3,377

Not shown (fewer than 10 policies): manufactured (mobile) home, condo or apartment unit.

561NFIP policies in force, any building

561insured units (condo association policies count every unit)

42%of home policies also cover contents

$25,000median contents coverage, when bought

One year on: Cambria County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

	Aug 31, 2025	Aug 31, 2026	Change
Home policies in force	350	337	−3.7%
Median annual cost	$958	$1,040	+8.6%
Average annual cost	$1,050	$1,137	+8.3%
All policies in force (any building)	576	561	−2.6%

How many homes have flood insurance?

0.6%of all homes in Cambria County have an NFIP policy

15.4%of homes in high-risk zones (special flood hazard area) have one

56,704residential buildings counted by FEMA

1,902of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Cambria County, Pennsylvania have filed 806 flood claims. 544 received a payment, for a total of $3,244,656 (an average of $5,964 per paid claim). The year with the most claims was 1996 (215 claims). Amounts are in dollars of the time, not adjusted for inflation.

Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.

All years with at least 10 claims (15)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2021	13	11	$322,777	$29,343
2018	10	<10	–	–
2013	11	<10	–	–
2004	11	<10	–	–
1997	30	18	$83,307	$4,628
1996	215	167	$1,288,052	$7,713
1993	13	11	$65,028	$5,912
1987	55	25	$68,070	$2,723
1985	10	<10	–	–
1984	29	12	$16,192	$1,349
1983	34	28	$118,786	$4,242
1981	103	76	$158,347	$2,084
1980	70	41	$48,540	$1,184
1979	28	21	$71,688	$3,414
1978	74	58	$116,753	$2,013

From 2016 to 2026: 23 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Main NFIP communities in the county

Johnstown (90 home policies) · Stonycreek (46 home policies) · Adams (41 home policies) · Northern Cambria (15 home policies) · Patton (14 home policies) · Wilmore (13 home policies)