Home Insurance in Kittanning, Pennsylvania
Homes in Kittanning carry a median value of $101,300 - 36% lower than the Armstrong County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Kittanning was built around 1944. About 62% of homes were built before 1960, about 12 points above Armstrong County's 51%.
In Kittanning, the housing stock is 64% single-family homes, 19% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
36% of owner-occupied homes in Kittanning carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 50% of occupied homes in Kittanning are owner-occupied.
Most homes in Kittanning - 78% - are primarily heated with natural gas.
Armstrong County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Armstrong County had 247 active NFIP flood policies as of September 2026. See the full Armstrong 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 | $101,300 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Armstrong County | 247 |
| 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)