Home Insurance in East Vandergrift, Pennsylvania
Homes in East Vandergrift carry a median value of $70,300 - 65% lower than the Westmoreland County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in East Vandergrift was built in 1939 or earlier. About 84% of homes were built before 1960, about 40 points above Westmoreland County's 44%.
The housing stock in East Vandergrift is 95% single-family homes.
43% of owner-occupied homes in East Vandergrift carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in East Vandergrift are owner-occupied.
Most homes in East Vandergrift - 87% - are primarily heated with natural gas.
What's the biggest home insurance risk near East Vandergrift? 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 | $70,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)