Home Insurance in Ohiopyle, Pennsylvania
The typical home in Ohiopyle was built around 1994. About 25% of homes were built before 1960, about 26 points below Fayette County's 51%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Ohiopyle is 38% single-family homes and 62% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Ohiopyle, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 88% of occupied homes in Ohiopyle are owner-occupied.
Most homes in Ohiopyle - 75% - are primarily heated with electricity. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Fayette County's overall risk as Relatively Moderate, led by inland flooding (Relatively Moderate). Fayette County had 266 active NFIP flood policies as of September 2026. 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.
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 year built | 1994 |
|---|---|
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)