Home Insurance in Jefferson Hills, Pennsylvania
Homes in Jefferson Hills carry a median value of $315,900 - 39% higher than the Allegheny County median.
The typical home in Jefferson Hills was built around 1980. About 33% of homes were built before 1960, about 21 points below Allegheny County's 54%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Jefferson Hills, the housing stock is 91% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Jefferson Hills, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Jefferson Hills has an owner-occupancy rate of 84% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Jefferson Hills, 84% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Jefferson Hills? 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.
In Pennsylvania, the statewide average premium for a standard HO-3 homeowners policy is $1,217 per year (NAIC, 2023 data).
Key figures
| Median home value | $315,900 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)