Home Insurance in Elizabeth, Pennsylvania
The median home value in Elizabeth is $108,300, 52% 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 Elizabeth was built in 1939 or earlier. About 80% of homes were built before 1960, about 25 points above Allegheny County's 54%.
In Elizabeth, the housing stock is 70% single-family homes and 15% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Elizabeth, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Elizabeth has an owner-occupancy rate of 60% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Elizabeth, 84% of homes are primarily heated with natural gas.
Allegheny County's top FEMA-rated hazard is inland flooding (Very High), per FEMA's National Risk Index. 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 | $108,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 60% |
| 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)