Home Insurance in Brownsville, Pennsylvania
Homes in Brownsville carry a median value of $69,400 - 52% lower than the Fayette County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Brownsville was built in 1939 or earlier. About 77% of homes were built before 1960, about 26 points above Fayette County's 51%.
The housing stock in Brownsville is 71% single-family homes and 23% apartments in buildings with 5+ units.
48% of owner-occupied homes in Brownsville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 48% of occupied homes in Brownsville are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Brownsville, 69% of homes are primarily heated with natural gas.
Fayette County had 266 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). See the full Fayette 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 | $69,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Fayette County | 266 |
| 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)