Home Insurance in Hyde Park, Pennsylvania
The median home value in Hyde Park is $141,700, 30% lower than the Westmoreland County median.
The typical home in Hyde Park was built around 1955. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 65% of homes were built before 1960, about 20 points above Westmoreland County's 44%.
The housing stock in Hyde Park is 82% single-family homes and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Hyde Park, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hyde Park has an owner-occupancy rate of 68% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Hyde Park - 92% - 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.
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 | $141,700 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)