Home Insurance in North Charleroi, Pennsylvania
The median home value in North Charleroi is $93,500, 59% lower than the Washington County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in North Charleroi was built around 1947. About 61% of homes were built before 1960, about 17 points above Washington County's 44%.
In North Charleroi, the housing stock is 70% single-family homes and 25% apartments in buildings with 5+ units.
About 53% of owner-occupied homes in North Charleroi have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in North Charleroi are owner-occupied.
In North Charleroi, 67% of homes are primarily heated with natural gas.
Washington County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Pennsylvania carries a statewide average premium of $1,217 per year.
Key figures
| Median home value | $93,500 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)