Centre County, PA

Composite Insurance Risk Score: 58.3 / 100 (National rank: #1063)

Axis Scores

Climate Safety 63.4
Insurance Affordability 88.4
Housing Affordability 13.5
Community Resilience 72.5
Social Resilience 69.7
Housing Stability 9.4

Key Metrics

Annual Insurance Premium (state avg) $1,100
Insurance Burden (% of income) 1.48%
Price-to-Income Ratio 4.35
FEMA Risk Score (0-100) 36.6

Data Sources: FEMA National Risk Index (Public Domain), U.S. Census Bureau ACS 5-Year Estimates (CC0), Triple-I / NAIC public citations. Scores are percentile ranks across all valid U.S. counties (0-100).

πŸ“ˆ 10-Year Trend (2015-2024)

Historical data from U.S. Census ACS 5-Year Estimates.

πŸ’‘ Market Analysis

Over the past 5 years, home values in Centre County have grown at an average annual rate of 6.61%. During the same period, the population has decreased by 2.09%. This combination of rising prices and shrinking population may indicate housing affordability pressures or climate-related out-migration.

*Note: Correlation does not imply causation. Analysis based on ACS 5-Year Estimates (2019-2024).