Home Insurance in North Irwin, Pennsylvania
The median home value in North Irwin is $140,800, 31% lower than the Westmoreland County median.
The typical home in North Irwin was built around 1949. About 74% of homes were built before 1960, about 29 points above Westmoreland County's 44%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In North Irwin, the housing stock is 74% single-family homes and 8% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
53% of owner-occupied homes in North Irwin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
North Irwin has an owner-occupancy rate of 62% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
92% of homes in North Irwin are primarily heated with natural gas.
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 | $140,800 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)