Johnstown has 18,087 residents in 8,953 households. We list 8 insurance agencies in Johnstown. Here is what the local numbers say about the cover people here need.

Johnstown at a glance

8insurance agencies listed
44.8%of households rentRenters insurance
$45,400median home valueHome insurance
1942median year homes were builtRebuild cost calculator
25.8%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Cambria County

FEMA rates the overall natural hazard risk in Cambria County, where most Johnstown agencies we list are located, as Relatively Low compared with other U.S. counties. The hazards it rates highest:

LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Pennsylvania

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Pennsylvania

Pennsylvania requires drivers to carry at least $15,000 of bodily injury liability per person, $30,000 per accident and $5,000 of property damage liability, often written 15/30/5. A combined single limit of $35,000 is accepted instead. It also requires medical benefits coverage ($5,000). Pennsylvania is a choice state: drivers choose between no-fault and traditional at-fault cover.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Pennsylvania How much liability cover do you need?

Source: pa.gov. Checked 2026-10-24.

Where Johnstown agencies are

Johnstown agencies we list sit in 4 ZIP codes, mostly in Cambria County.

159014 agencies
159042 agencies
159051 agency
159061 agency

Questions

Insurance agencies in Johnstown

How do I find an insurance agency in Johnstown?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

Do I need flood insurance in Johnstown?

FEMA's National Risk Index rates inland flooding risk in Cambria County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Johnstown?

44.8% of households in Johnstown rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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