Home Insurance in Manor, Pennsylvania
Homes in Manor carry a median value of $273,500 - 34% higher than the Westmoreland County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Manor was built around 1984. About 19% of homes were built before 1960, about 25 points below Westmoreland County's 44%.
Housing in Manor breaks down to 99% single-family homes.
About 77% of owner-occupied homes in Manor have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 95% of occupied homes in Manor are owner-occupied.
83% of homes in Manor 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.
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 | $273,500 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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)