Home Insurance in Duquesne, Pennsylvania
The median home value in Duquesne is $63,800, 72% lower than the Allegheny County median.
The typical home in Duquesne was built around 1946. About 74% of homes were built before 1960, about 19 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.
In Duquesne, the housing stock is 71% single-family homes, 20% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 33% of owner-occupied homes in Duquesne have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 47% of occupied homes in Duquesne are owner-occupied.
In Duquesne, 80% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Duquesne? FEMA's National Risk Index points to inland flooding (Very High) in Allegheny County and 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 | $63,800 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)