Home Insurance in Jeannette, Pennsylvania
With a median home value of $114,400, Jeannette is 44% lower than the Westmoreland County median.
The typical home in Jeannette was built around 1952. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 69% of homes were built before 1960, about 25 points above Westmoreland County's 44%.
In Jeannette, the housing stock is 78% single-family homes, 6% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Jeannette, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 67% of occupied homes in Jeannette are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Jeannette, 81% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Jeannette? 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.
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 | $114,400 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)