Home Insurance in Oklahoma, Pennsylvania
With a median home value of $145,200, Oklahoma is 29% lower than the Westmoreland County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Oklahoma was built around 1958. About 53% of homes were built before 1960, about 9 points above Westmoreland County's 44%.
The housing stock in Oklahoma is 95% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 48% of owner-occupied homes in Oklahoma have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 72% of occupied homes in Oklahoma are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Oklahoma - 80% - 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 | $145,200 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 72% |
| 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)