Home Insurance in Westmoreland County, Pennsylvania
With a median home value of $203,500, Westmoreland County is 20% lower than the Pennsylvania median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Westmoreland County was built around 1964. About 44% of homes were built before 1960, in line with Pennsylvania (45%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Westmoreland County is 82% single-family homes, 7% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
About 54% of owner-occupied homes in Westmoreland County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 78% of occupied homes in Westmoreland County are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
65% of homes in Westmoreland County are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Westmoreland County, per FEMA's National Risk Index, are inland flooding (Relatively High), strong wind (Relatively High) and hail (Relatively Moderate).
Westmoreland County had 899 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $203,500 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively High), Strong Wind (Relatively High), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 899 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
- Adamsburg
- Arnold
- Arona
- Avonmore
- Bolivar
- Delmont
- Derry
- Donegal
- East Vandergrift
- Export
- Greensburg
- Hunker
- Hyde Park
- Irwin
- Jeannette
- Latrobe
- Laurel Mountain
- Ligonier
- Lower Burrell
- Madison
- Manor
- Monessen
- Mount Pleasant
- Murrysville
- New Alexandria
- New Florence
- New Kensington
- New Stanton
- North Belle Vernon
- North Irwin
- Oklahoma
- Penn
- Scottdale
- Seward
- Smithton
- South Greensburg
- Southwest Greensburg
- Sutersville
- Trafford
- Vandergrift
- West Leechburg
- West Newton
- Youngstown
- Youngwood
Sources
- 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)