Home Insurance in Delmont, Pennsylvania
With a median home value of $261,400, Delmont is 28% higher than the Westmoreland County median.
The typical home in Delmont was built around 1977. About 29% of homes were built before 1960, about 15 points below Westmoreland County's 44%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Delmont, the housing stock is 60% single-family homes and 25% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 66% of owner-occupied homes in Delmont have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 55% of occupied homes in Delmont are owner-occupied.
Most homes in Delmont - 59% - are primarily heated with natural gas.
Westmoreland County had 899 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively High). 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 | $261,400 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)