Home Insurance in Irwin, Pennsylvania
The median home value in Irwin is $195,500, close to the Westmoreland County median.
The typical home in Irwin was built around 1954. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 59% of homes were built before 1960, about 15 points above Westmoreland County's 44%.
In Irwin, the housing stock is 54% single-family homes, 25% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
58% of owner-occupied homes in Irwin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 43% of occupied homes in Irwin are owner-occupied.
67% of homes in Irwin are primarily heated with natural gas.
Westmoreland County's top FEMA-rated hazard is inland flooding (Relatively High), per FEMA's National Risk Index. 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.
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 | $195,500 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)