Home Insurance in Waynesburg, Pennsylvania
Homes in Waynesburg carry a median value of $158,200 - close to the Greene County median.
The median home in Waynesburg was built in 1939 or earlier. About 77% of homes were built before 1960, about 26 points above Greene County's 50%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Waynesburg, the housing stock is 60% single-family homes and 16% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 66% of owner-occupied homes in Waynesburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Waynesburg are owner-occupied.
In Waynesburg, 78% of homes are primarily heated with natural gas.
Greene County had 98 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). See the full Greene County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
In Pennsylvania, the statewide average premium for a standard HO-3 homeowners policy is $1,217 per year (NAIC, 2023 data).
Key figures
| Median home value | $158,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Greene County | 98 |
| 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)