Home Insurance in Armstrong County, Pennsylvania
Homes in Armstrong County carry a median value of $157,300 - 38% lower than the Pennsylvania median.
The typical home in Armstrong County was built around 1959. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 51% of homes were built before 1960, about 6 points above Pennsylvania's 45%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Armstrong County is 82% single-family homes, 5% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
In Armstrong County, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Armstrong County has an owner-occupancy rate of 79% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Armstrong County - 74% - are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Armstrong County, per FEMA's National Risk Index, are inland flooding (Relatively Moderate), hurricane (Very Low) and hail (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Armstrong County has 247 active NFIP flood policies on file.
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 | $157,300 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Hurricane (Very Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 247 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
- Apollo
- Applewold
- Atwood
- Dayton
- Elderton
- Ford City
- Ford Cliff
- Freeport
- Kittanning
- Leechburg
- Manorville
- North Apollo
- Parker
- Rural Valley
- South Bethlehem
- West Kittanning
- Worthington
Sources
- 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)