Home Insurance in Wilmerding, Pennsylvania
With a median home value of $61,200, Wilmerding is 73% lower than the Allegheny County median.
The typical home in Wilmerding was built around 1961. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 48% of homes were built before 1960, about 6 points below Allegheny County's 54%.
In Wilmerding, the housing stock is 47% single-family homes, 27% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Wilmerding, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 34% of occupied homes in Wilmerding are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
82% of homes in Wilmerding are primarily heated with natural gas.
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 | $61,200 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 34% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)