Home Insurance in Liberty, Pennsylvania
With a median home value of $115,600, Liberty is 49% lower than the Allegheny County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Liberty was built around 1954. About 76% of homes were built before 1960, about 22 points above Allegheny County's 54%.
The housing stock in Liberty is 94% single-family homes and 1% apartments in buildings with 5+ units.
49% of owner-occupied homes in Liberty carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Liberty has an owner-occupancy rate of 80% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Liberty - 89% - 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 | $115,600 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 80% |
| 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)