Home Insurance in Greensburg, Pennsylvania
Homes in Greensburg carry a median value of $184,100 - 10% lower than the Westmoreland County median.
The typical home in Greensburg was built around 1957. About 53% of homes were built before 1960, about 9 points above Westmoreland County's 44%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Greensburg breaks down to 63% single-family homes and 23% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
62% of owner-occupied homes in Greensburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 55% of occupied homes in Greensburg are owner-occupied.
In Greensburg, 71% of homes are primarily heated with natural gas.
FEMA rates Westmoreland County's overall risk as Relatively Moderate, led by inland flooding (Relatively High). 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.
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 | $184,100 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)