Home Insurance in Pennsbury Village, Pennsylvania
Homes in Pennsbury Village carry a median value of $157,100 - 31% lower than the Allegheny County median.
The typical home in Pennsbury Village was built around 1974. About 8% of homes were built before 1960, about 47 points below Allegheny County's 54%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Pennsbury Village, the housing stock is 81% single-family homes and 17% apartments in buildings with 5+ units.
In Pennsbury Village, about 55% 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 71% of occupied homes in Pennsbury Village are owner-occupied.
71% of homes in Pennsbury Village are primarily heated with natural gas.
Allegheny County had 2,669 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Very High). 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 | $157,100 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)