Home Insurance in Washington, Pennsylvania
With a median home value of $128,200, Washington is 44% lower than the Washington County median.
The typical home in Washington was built around 1942. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 68% of homes were built before 1960, about 24 points above Washington County's 44%.
The housing stock in Washington is 62% single-family homes and 21% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 62% of owner-occupied homes in Washington have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Washington has an owner-occupancy rate of 45% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Washington, 73% of homes 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.
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 | $128,200 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)