Home Insurance in Laurel Mountain, Pennsylvania
Homes in Laurel Mountain carry a median value of $260,700 - 28% higher than the Westmoreland County median.
The typical home in Laurel Mountain was built around 1951. About 75% of homes were built before 1960, about 31 points above Westmoreland County's 44%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Laurel Mountain is 100% single-family homes.
41% of owner-occupied homes in Laurel Mountain carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Laurel Mountain has an owner-occupancy rate of 90% and a vacancy rate of 40%; unoccupied homes typically need a different coverage form.
Most homes in Laurel Mountain - 65% - are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $260,700 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)