Home Insurance in Plum, Pennsylvania
Homes in Plum carry a median value of $227,600 - close to the Allegheny County median.
The typical home in Plum was built around 1972. About 22% of homes were built before 1960, about 32 points below Allegheny County's 54%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Plum, the housing stock is 88% single-family homes, 8% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 56% of owner-occupied homes in Plum have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 81% of occupied homes in Plum are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Plum, 85% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Plum? 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Pennsylvania carries a statewide average premium of $1,217 per year.
Key figures
| Median home value | $227,600 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)