Home Insurance in Finleyville, Pennsylvania
Homes in Finleyville carry a median value of $162,500 - 29% lower than the Washington County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Finleyville was built around 1955. About 55% of homes were built before 1960, about 11 points above Washington County's 44%.
The housing stock in Finleyville is 59% single-family homes, 25% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Finleyville, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 38% of occupied homes in Finleyville are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
52% of homes in Finleyville are primarily heated with natural gas.
Washington County had 619 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). 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.
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 | $162,500 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 38% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)