Home Insurance in Emsworth, Pennsylvania
Homes in Emsworth carry a median value of $184,200 - 19% 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 Emsworth was built around 1950. About 66% of homes were built before 1960, about 12 points above Allegheny County's 54%.
The housing stock in Emsworth is 68% single-family homes and 25% apartments in buildings with 5+ units.
In Emsworth, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Emsworth are owner-occupied.
Most homes in Emsworth - 85% - 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 | $184,200 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)