Home Insurance in Point Marion, Pennsylvania
Homes in Point Marion carry a median value of $88,800 - 38% lower than the Fayette County median.
The median home in Point Marion was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 81% of homes were built before 1960, about 30 points above Fayette County's 51%.
The housing stock in Point Marion is 83% single-family homes, 8% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
48% of owner-occupied homes in Point Marion carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Point Marion are owner-occupied.
85% of homes in Point Marion 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.
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 home value | $88,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 64% |
| 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)