Home Insurance in Mount Pleasant, Pennsylvania
The median home value in Mount Pleasant is $143,000, 30% lower 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 Mount Pleasant was built around 1953. About 61% of homes were built before 1960, about 17 points above Westmoreland County's 44%.
The housing stock in Mount Pleasant is 73% single-family homes and 10% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 54% of owner-occupied homes in Mount Pleasant have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Mount Pleasant has an owner-occupancy rate of 66% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Mount Pleasant, 73% of homes 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 | $143,000 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)