Home Insurance in Adamsburg, Pennsylvania
Homes in Adamsburg carry a median value of $185,000 - 9% lower than the Westmoreland County median.
The typical home in Adamsburg was built around 1966. About 44% of homes were built before 1960, in line with Westmoreland County (44%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Adamsburg, the housing stock is 58% single-family homes, 28% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 79% of owner-occupied homes in Adamsburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Adamsburg has an owner-occupancy rate of 75% and a vacancy rate of 35%; unoccupied homes typically need a different coverage form.
In Adamsburg, 65% of homes are primarily heated with natural gas.
Westmoreland County's top FEMA-rated hazard is inland flooding (Relatively High), per FEMA's National Risk Index. Westmoreland County had 899 active NFIP flood policies as of September 2026. See the full Westmoreland County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
In Pennsylvania, the statewide average premium for a standard HO-3 homeowners policy is $1,217 per year (NAIC, 2023 data).
Key figures
| Median home value | $185,000 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 79% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Westmoreland County | 899 |
| 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)