Home Insurance in Latrobe, Pennsylvania
The median home value in Latrobe is $145,100, 29% lower than the Westmoreland County median.
The typical home in Latrobe was built around 1952. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 68% of homes were built before 1960, about 24 points above Westmoreland County's 44%.
The housing stock in Latrobe is 70% single-family homes, 11% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
62% of owner-occupied homes in Latrobe carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Latrobe has an owner-occupancy rate of 70% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Latrobe, 79% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Westmoreland County had 899 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively High). 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 | $145,100 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 70% |
| 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
- Youngstown
- Derry
- New Alexandria
- Greensburg
- Southwest Greensburg
- Ligonier
- South Greensburg
- Blairsville
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)