Home Insurance in North Belle Vernon, Pennsylvania
Homes in North Belle Vernon carry a median value of $118,600 - 42% lower than the Westmoreland County median.
The typical home in North Belle Vernon was built around 1943. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 77% of homes were built before 1960, about 33 points above Westmoreland County's 44%.
The housing stock in North Belle Vernon is 83% single-family homes and 7% apartments in buildings with 5+ units.
48% of owner-occupied homes in North Belle Vernon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in North Belle Vernon are owner-occupied.
In North Belle Vernon, 87% 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.
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 | $118,600 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)