Home Insurance in Arnold, Pennsylvania
Homes in Arnold carry a median value of $86,400 - 58% lower than the Westmoreland County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Arnold was built around 1950. About 70% of homes were built before 1960, about 25 points above Westmoreland County's 44%.
The housing stock in Arnold is 78% single-family homes and 11% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 45% of owner-occupied homes in Arnold have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Arnold are owner-occupied.
Most homes in Arnold - 88% - are primarily heated with natural gas.
What's the biggest home insurance risk near Arnold? FEMA's National Risk Index points to inland flooding (Relatively High) in Westmoreland County and 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.
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 | $86,400 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)