Home Insurance in Donora, Pennsylvania
With a median home value of $62,300, Donora is 73% lower than the Washington County median.
The typical home in Donora was built around 1940. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 69% of homes were built before 1960, about 25 points above Washington County's 44%.
In Donora, the housing stock is 80% single-family homes, 13% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Donora, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Donora has an owner-occupancy rate of 53% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
85% of homes in Donora are primarily heated with natural gas.
FEMA rates Washington County's overall risk as Relatively Moderate, led by inland flooding (Relatively Moderate). 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 | $62,300 |
|---|---|
| Median year built | 1940 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)