Home Insurance in West Brownsville, Pennsylvania
Homes in West Brownsville carry a median value of $82,800 - 64% lower than the Washington County median.
The median home in West Brownsville was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 78% of homes were built before 1960, about 34 points above Washington County's 44%.
The housing stock in West Brownsville is 90% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
41% of owner-occupied homes in West Brownsville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
West Brownsville has an owner-occupancy rate of 81% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in West Brownsville - 72% - 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.
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 | $82,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)