Home Insurance in Aspinwall, Pennsylvania
With a median home value of $378,800, Aspinwall is 66% higher than the Allegheny County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Aspinwall was built around 1949. About 62% of homes were built before 1960, about 8 points above Allegheny County's 54%.
In Aspinwall, the housing stock is 58% single-family homes, 15% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
70% of owner-occupied homes in Aspinwall carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Aspinwall has an owner-occupancy rate of 62% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
81% of homes in Aspinwall are primarily heated with natural gas.
What's the biggest home insurance risk near Aspinwall? FEMA's National Risk Index points to inland flooding (Very High) in Allegheny County and Allegheny County had 2,669 active NFIP flood policies as of September 2026. See the full Allegheny County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Pennsylvania is $1,217 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $378,800 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Inland Flooding (Very High) |
| Active NFIP policies in Allegheny County | 2,669 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)