Home Insurance in Monroeville, Pennsylvania
The median home value in Monroeville is $209,800, 8% lower than the Allegheny County median.
The typical home in Monroeville was built around 1968. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 36% of homes were built before 1960, about 19 points below Allegheny County's 54%.
In Monroeville, the housing stock is 73% single-family homes, 25% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
65% of owner-occupied homes in Monroeville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 69% of occupied homes in Monroeville are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
75% of homes in Monroeville are primarily heated with natural gas.
What's the biggest home insurance risk near Monroeville? 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 | $209,800 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)