Home Insurance in Smithton, Pennsylvania
Homes in Smithton carry a median value of $102,900 - 49% 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 median home in Smithton was built in 1939 or earlier. About 91% of homes were built before 1960, about 47 points above Westmoreland County's 44%.
In Smithton, the housing stock is 93% single-family homes and 3% apartments in buildings with 5+ units.
About 55% of owner-occupied homes in Smithton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Smithton are owner-occupied.
In Smithton, 79% of homes 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.
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 | $102,900 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)