Home Insurance in Pitcairn, Pennsylvania
With a median home value of $59,300, Pitcairn is 74% lower than the Allegheny County median.
The typical home in Pitcairn was built around 1957. About 52% of homes were built before 1960, about 2 points below Allegheny County's 54%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Pitcairn is 56% single-family homes and 27% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
53% of owner-occupied homes in Pitcairn carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 39% of occupied homes in Pitcairn are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Pitcairn - 72% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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 | $59,300 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 39% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)