Home Insurance in East Pittsburgh, Pennsylvania
With a median home value of $59,600, East Pittsburgh is 74% lower than the Allegheny County median.
The typical home in East Pittsburgh was built around 1944. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 71% of homes were built before 1960, about 17 points above Allegheny County's 54%.
In East Pittsburgh, the housing stock is 60% single-family homes and 16% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
30% of owner-occupied homes in East Pittsburgh carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 41% of occupied homes in East Pittsburgh are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
81% of homes in East Pittsburgh 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.
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 | $59,600 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 41% |
| Share of owner-occupied homes with a mortgage | 30% |
| 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)