Home Insurance in Seward, Pennsylvania
Homes in Seward carry a median value of $68,900 - 66% lower than the Westmoreland County median.
The typical home in Seward was built around 1951. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 66% of homes were built before 1960, about 22 points above Westmoreland County's 44%.
The housing stock in Seward is 80% single-family homes, 6% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Seward, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 79% of occupied homes in Seward are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Seward - 67% - are primarily heated with fuel oil. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
The statewide average premium for a standard HO-3 homeowners policy in Pennsylvania is $1,217 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $68,900 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)