Home Insurance in Pittsburgh, Pennsylvania
The median home value in Pittsburgh is $205,800, 10% lower than the Allegheny County median.
The typical home in Pittsburgh was built around 1942. About 69% of homes were built before 1960, about 14 points above Allegheny County's 54%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Pittsburgh breaks down to 58% single-family homes and 27% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Pittsburgh, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Pittsburgh has an owner-occupancy rate of 48% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
In Pittsburgh, 75% of homes 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.
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 | $205,800 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 48% |
| 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)