Home Insurance in Scottdale, Pennsylvania
Homes in Scottdale carry a median value of $156,900 - 23% lower than the Westmoreland County median.
The typical home in Scottdale was built around 1946. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 67% of homes were built before 1960, about 23 points above Westmoreland County's 44%.
In Scottdale, the housing stock is 71% single-family homes, 11% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Scottdale, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 65% of occupied homes in Scottdale are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Scottdale - 77% - are primarily heated with natural gas.
Westmoreland County had 899 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively High). 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 | $156,900 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)