Home Insurance in West Kittanning, Pennsylvania
Homes in West Kittanning carry a median value of $122,400 - 22% lower than the Armstrong County median.
The typical home in West Kittanning was built around 1947. About 71% of homes were built before 1960, about 21 points above Armstrong County's 51%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in West Kittanning breaks down to 89% single-family homes and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 53% of owner-occupied homes in West Kittanning have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
West Kittanning has an owner-occupancy rate of 74% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
93% of homes in West Kittanning are primarily heated with natural gas.
FEMA rates Armstrong County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). 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 | $122,400 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)