Home Insurance in Burgettstown, Pennsylvania
Homes in Burgettstown carry a median value of $129,400 - 43% lower than the Washington County median.
The median home in Burgettstown was built in 1939 or earlier. About 82% of homes were built before 1960, about 37 points above Washington County's 44%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Burgettstown breaks down to 75% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Burgettstown, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Burgettstown has an owner-occupancy rate of 60% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Burgettstown - 84% - are primarily heated with natural gas.
What's the biggest home insurance risk near Burgettstown? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Washington County and Washington County had 619 active NFIP flood policies as of September 2026. See the full Washington 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 | $129,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Washington County | 619 |
| 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)