Home Insurance in Youngstown, Pennsylvania
The median home value in Youngstown is $127,300, 37% lower than the Westmoreland County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Youngstown was built in 1939 or earlier. About 73% of homes were built before 1960, about 28 points above Westmoreland County's 44%.
The housing stock in Youngstown is 92% single-family homes and 3% mobile or manufactured homes.
In Youngstown, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 74% of occupied homes in Youngstown are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Youngstown - 85% - are primarily heated with natural gas.
What's the biggest home insurance risk near Youngstown? FEMA's National Risk Index points to inland flooding (Relatively High) in Westmoreland County and 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 | $127,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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
- Latrobe
- Derry
- Ligonier
- New Alexandria
- South Greensburg
- Southwest Greensburg
- Greensburg
- Laurel Mountain
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)