Home Insurance in McKees Rocks, Pennsylvania
Homes in McKees Rocks carry a median value of $75,600 - 67% 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 McKees Rocks was built around 1949. About 65% of homes were built before 1960, about 11 points above Allegheny County's 54%.
Housing in McKees Rocks breaks down to 74% single-family homes, 12% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 52% of owner-occupied homes in McKees Rocks have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 41% of occupied homes in McKees Rocks are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in McKees Rocks - 91% - are primarily heated with natural gas.
What's the biggest home insurance risk near McKees Rocks? 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.
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 | $75,600 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 41% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)