Home Insurance in Bellevue, Pennsylvania
Homes in Bellevue carry a median value of $213,300 - 6% lower than the Allegheny County median.
The median home in Bellevue was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 70% of homes were built before 1960, about 15 points above Allegheny County's 54%.
In Bellevue, the housing stock is 45% single-family homes and 31% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 64% of owner-occupied homes in Bellevue have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bellevue has an owner-occupancy rate of 45% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Bellevue, 77% of homes are primarily heated with natural gas.
Allegheny County had 2,669 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Very High). 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 | $213,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)