Home Insurance in Chalfant, Pennsylvania
The median home value in Chalfant is $120,000, 47% lower than the Allegheny County median.
The typical home in Chalfant was built around 1956. About 63% of homes were built before 1960, about 9 points above Allegheny County's 54%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Chalfant is 78% single-family homes. The rest are 2-4 unit or other housing types.
In Chalfant, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Chalfant has an owner-occupancy rate of 51% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Chalfant - 93% - 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 | $120,000 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)