HomeInsuranceQts

Home Insurance in Allegheny County, Pennsylvania

The median home value in Allegheny County is $227,600, 11% lower than the Pennsylvania median.

Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Allegheny County was built around 1957. About 54% of homes were built before 1960, about 10 points above Pennsylvania's 45%.

In Allegheny County, the housing stock is 72% single-family homes, 19% apartments in buildings with 5+ units and 1% mobile or manufactured homes.

In Allegheny County, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Allegheny County are owner-occupied.

Most homes in Allegheny County - 80% - are primarily heated with natural gas.

FEMA's National Risk Index lists inland flooding (Very High), strong wind (Relatively High) and winter weather (Relatively High) as the leading hazards for Allegheny County.

As of September 2026, Allegheny County has 2,669 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.

In Pennsylvania, the statewide average premium for a standard HO-3 homeowners policy is $1,217 per year (NAIC, 2023 data).

Key figures

Median home value$227,600
Median year built1957
Owner-occupied share65%
Share of owner-occupied homes with a mortgage58%
Top hazards (FEMA National Risk Index)Inland Flooding (Very High), Strong Wind (Relatively High), Winter Weather (Relatively High)
Active NFIP flood policies (county)2,669
Home insurance premium$1,217 - statewide average (NAIC, 2023 data)

Towns and cities

Smaller communities

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