Home Insurance in Clairton, Pennsylvania
Homes in Clairton carry a median value of $66,500 - 71% lower than the Allegheny County median.
The typical home in Clairton was built around 1943. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 83% of homes were built before 1960, about 29 points above Allegheny County's 54%.
In Clairton, the housing stock is 76% single-family homes and 10% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
49% of owner-occupied homes in Clairton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 61% of occupied homes in Clairton are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
84% of homes in Clairton 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.
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 | $66,500 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)