Home Insurance in Washington County, Pennsylvania
Homes in Washington County carry a median value of $228,500 - 10% lower than the Pennsylvania median.
The typical home in Washington County was built around 1966. About 44% of homes were built before 1960, in line with Pennsylvania (45%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Washington County, the housing stock is 81% single-family homes, 8% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Washington County, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Washington County are owner-occupied.
67% of homes in Washington County are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists inland flooding (Relatively Moderate), hail (Relatively Moderate) and hurricane (Relatively Low) as the leading hazards for Washington County.
Washington County had 619 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $228,500 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Hail (Relatively Moderate), Hurricane (Relatively Low) |
| Active NFIP flood policies (county) | 619 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
- Allenport
- Beallsville
- Bentleyville
- Burgettstown
- California
- Canonsburg
- Centerville
- Charleroi
- Claysville
- Coal Center
- Cokeburg
- Deemston
- Donora
- Dunlevy
- East Washington
- Elco
- Ellsworth
- Finleyville
- Green Hills
- Houston
- Long Branch
- Marianna
- McDonald
- Midway
- Monongahela
- New Eagle
- North Charleroi
- Roscoe
- Speers
- Stockdale
- Twilight
- Washington
- West Brownsville
- West Middletown
Sources
- 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)