Home Insurance in Baldwin, Pennsylvania
Homes in Baldwin carry a median value of $208,400 - 8% lower than the Allegheny County median.
The typical home in Baldwin was built around 1959. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 55% of homes were built before 1960, in line with Allegheny County (54%).
Housing in Baldwin breaks down to 79% single-family homes, 17% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 61% of owner-occupied homes in Baldwin have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Baldwin has an owner-occupancy rate of 78% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Baldwin, 86% 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.
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 | $208,400 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)