Home Insurance in Crafton, Pennsylvania
The median home value in Crafton is $201,000, 12% lower than the Allegheny County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Crafton was built in 1939 or earlier. About 74% of homes were built before 1960, about 20 points above Allegheny County's 54%.
Housing in Crafton breaks down to 55% single-family homes and 19% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
67% of owner-occupied homes in Crafton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Crafton has an owner-occupancy rate of 56% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Crafton - 77% - 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.
In Pennsylvania, the statewide average premium for a standard HO-3 homeowners policy is $1,217 per year (NAIC, 2023 data).
Key figures
| Median home value | $201,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)