Villas of Autumn Woods Homeowners Association, Inc.
166 Harmony Rd, Prospect, PA, 16052
Solid, with items to review
A thin public record is the main driver — only 3 of 7 core public-record fields on file.
Based on 6 of 9 public-record signals · How the CondoScore works
The CondoScore is an automated summary of public-record signals. It is not a rating of building safety, not an appraisal, and not a lending or insurance decision.
The 3-second read
Signals from government records — tap any tile for the source.Public records on file: 5 of 9
56%Still blank: Homes, Stories, Year built, Management.
Board member or manager at Villas of Autumn Woods Homeowners Association, Inc.? Complete your building's profile — free.
Flood zone at this address
This zone is outside the high-risk flood area, so flood insurance is usually optional. Mapped by FEMA's National Flood Hazard Layer at this building's location. FEMA NFHL
Schools nearby
- Moraine El Sch2.3 mi
Distances are straight-line from this building. Enrollment counts come from the federal school directory — no school ratings are published in this data, so none are shown. NCES Common Core of Data
Know the risks before you buy
Natural-hazard profile — Butler County
Overall county risk: Relatively Low compared with other U.S. counties.
FEMA expects natural hazards to cost $47.7M per year across Butler County as a whole (buildings, people, and agriculture combined).
County-level ratings from FEMA's National Risk Index (Dec 2025 data) — relative to other U.S. counties, not specific to this building.
Flood claim history — ZIP 16052
No federal flood insurance claims on record for this ZIP code since 1978.
Absence of NFIP claims is not a guarantee of no flood risk. Source: OpenFEMA NFIP claims.
What those hazards mean for insurance
- Separate policyFlood. Not covered by standard condo or homeowners policies — flood damage needs a separate NFIP or private flood policy (for both the association and your unit). FEMA FloodSmart
- Special deductibleWind & hail. Usually covered, but many policies apply a separate wind/hail deductible — a flat amount or a percentage of the dwelling coverage. Virginia SCC guide
How policies typically treat these perils — not a coverage determination for this building. Check the association’s master policy and your own unit (HO-6) policy.
What condo owners pay — state average
- Pennsylvania average: $425/yr for a condo unit-owner (HO-6) policy — 26% below the U.S. average of $572 (2022, the latest state-by-state study). NAIC
- Flood is separate: standard condo policies don’t cover flood — NFIP flood policies in Pennsylvania average $1,531/yr across 41,782 policies in force (June 30, 2026). FEMA
Averages for the geography shown — not a quote for this building. Actual premiums vary by insured value, deductibles, construction, and insurer.
The insurance market in Pennsylvania
- If the private market says no: Pennsylvania FAIR Plan — statewide basic property insurance (fire, extended coverage, vandalism) guaranteed by state law.
- Storm deductibles: Pennsylvania is among the states where some form of hurricane or named-storm deductible is used. NAIC
State-level market facts verified against the linked official sources (July 2026) — not a quote or availability determination for this building. Consumer help: Pennsylvania Insurance Department.
Insurance market in Pennsylvania
State-level market rules, not a quote for this building. They shape what cover the association can buy and what it costs. NAIC state filings
Get the free Villas of Autumn Woods Homeowners Association, Inc. report
Here's exactly what's inside:
- The CondoScore, plus the signal that drives it
- Every public record we hold on this building
- FEMA flood-claim history for this ZIP, and the county hazard rating
- Typical HO-6 insurance cost near here, and the Pennsylvania market rules
- Where to request the official documents, with direct links
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What would living here cost per month?
Your scenario, your math. The HO-6 figure is a geography-level average from state/NAIC filings — not a quote for this building. Dues and special assessments come from the association's own documents — always request the budget, reserve study, and meeting minutes before you sign.
Rules that hit your wallet
- Aug 3, 2026 — Fannie Mae retires Limited Review: most condo loans need full project review — National Mortgage Professional
- Jan 4, 2027 — associations must budget at least 15% of assessments to reserves for agency-backed loans — Whiteford client alert
- Since Jul 1, 2026 — insurance deductibles above $50K can fail a building for financing — condo-approval.com
Why it matters in Pennsylvania: buildings that miss these marks can lose access to normal 30-year mortgages — which shrinks the pool of buyers when you resell. Run the free 5-minute check.
Is Villas of Autumn Woods Homeowners Association, Inc. mortgage-ready?
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