Home Insurance in Avalon, Pennsylvania
With a median home value of $170,500, Avalon is 25% lower than the Allegheny County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Avalon was built around 1951. About 60% of homes were built before 1960, about 6 points above Allegheny County's 54%.
The housing stock in Avalon is 40% single-family homes and 44% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Avalon, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 41% of occupied homes in Avalon are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Avalon, 66% of homes are primarily heated with natural gas.
FEMA rates Allegheny County's overall risk as Relatively High, led by inland flooding (Very High). 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Pennsylvania carries a statewide average premium of $1,217 per year.
Key figures
| Median home value | $170,500 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 41% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)