Home Insurance in Dravosburg, Pennsylvania
With a median home value of $93,500, Dravosburg is 59% lower than the Allegheny County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Dravosburg was built around 1948. About 83% of homes were built before 1960, about 28 points above Allegheny County's 54%.
In Dravosburg, the housing stock is 69% single-family homes and 17% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Dravosburg, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Dravosburg has an owner-occupancy rate of 55% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Dravosburg, 95% 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 | $93,500 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)