Menu

Flood insurance cost · Allegheny County, PA

Flood insurance cost in Allegheny County, Pennsylvania

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,756 home policies in force on August 31, 2026.

Allegheny County, PennsylvaniaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,332a year

Half of insured homes paid between $837 and $1,935. That is 8% more than the Pennsylvania median ($1,232). Most insured homes here are rated in zone AE (55%).

$0$837 · $1,332 · $1,935$2,419
+13.4% vs Aug 31, 2025 (median $1,175)
1,756home policies in force
$1,532average cost (mean)
64%of insured homes in high-risk zones (A, V)
$154,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Allegheny County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$1,690$1,245–$2,388$1,922971 (55%)+12.1%
Zone A
High risk		$1,564$1,114–$2,024$1,675158 (9%)+11.5%
Zone X
Moderate to low risk		$759$524–$1,195$893627 (36%)+8.1%

Not shown (fewer than 10 home policies): VE, AO, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Allegheny County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,602$1,289$1,490
2–4 unit building127$1,973$2,165
Condo or apartment unit24$698$920
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		83$4,485$5,093
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		820$4,402$5,502

Not shown (fewer than 10 policies): manufactured (mobile) home.

2,659NFIP policies in force, any building
2,679insured units (condo association policies count every unit)
63%of home policies also cover contents
$66,000median contents coverage, when bought

One year on: Allegheny County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force1,8341,756−4.3%
Median annual cost$1,175$1,332+13.4%
Average annual cost$1,382$1,532+10.9%
All policies in force (any building)2,7602,659−3.7%

How many homes have flood insurance?

0.4%of all homes in Allegheny County have an NFIP policy
27.9%of homes in high-risk zones (special flood hazard area) have one
462,126residential buildings counted by FEMA
4,261of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Allegheny County, Pennsylvania have filed 4,845 flood claims. 3,851 received a payment, for a total of $82.0 million (an average of $21,296 per paid claim). The year with the most claims was 2004 (1,221 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 85 claims, 59 paid, $134,133 in total1979: 171 claims, 106 paid, $279,427 in total1980: 152 claims, 110 paid, $321,996 in total19801981: 118 claims, 96 paid, $392,581 in total1982: 43 claims, 35 paid, $72,475 in total1983: 57 claims, 37 paid, $112,554 in total1984: 36 claims, 19 paid, $75,927 in total1985: 122 claims, 81 paid, $703,450 in total1986: 122 claims, 99 paid, $917,371 in total1987: 56 claims, 29 paid, $87,045 in total1989: 15 claims1990: 87 claims, 61 paid, $238,354 in total19901994: 26 claims, 17 paid, $94,725 in total1995: 44 claims, 35 paid, $401,428 in total1996: 495 claims, 368 paid, $6,530,510 in total19961997: 72 claims, 59 paid, $431,128 in total1998: 20 claims, 12 paid, $49,685 in total1999: 67 claims, 45 paid, $703,326 in total2000: 113 claims, 91 paid, $1,660,440 in total20002001: 14 claims2002: 23 claims, 16 paid, $128,094 in total2003: 19 claims, 14 paid, $801,834 in total2004: 1,221 claims, 1,109 paid, $35,797,495 in total20042005: 37 claims, 25 paid, $187,763 in total2007: 176 claims, 151 paid, $1,725,527 in total2008: 12 claims2009: 126 claims, 111 paid, $2,132,280 in total2010: 96 claims, 67 paid, $756,217 in total20102011: 36 claims, 20 paid, $227,990 in total2012: 38 claims, 29 paid, $1,085,069 in total2013: 180 claims, 163 paid, $2,917,911 in total2014: 25 claims, 19 paid, $128,488 in total2015: 67 claims, 48 paid, $755,995 in total2016: 23 claims, 15 paid, $200,599 in total2017: 74 claims, 61 paid, $1,076,906 in total2018: 330 claims, 272 paid, $8,682,983 in total20182019: 160 claims, 143 paid, $6,391,874 in total20202021: 111 claims, 90 paid, $1,229,358 in total2022: 13 claims2024: 93 claims, 80 paid, $2,785,356 in total2025: 22 claims, 14 paid, $749,174 in total2026: 15 claims
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (42)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202615<10––
20252214$749,174$53,512
20249380$2,785,356$34,817
202213<10––
202111190$1,229,358$13,660
2019160143$6,391,874$44,698
2018330272$8,682,983$31,923
20177461$1,076,906$17,654
20162315$200,599$13,373
20156748$755,995$15,750
20142519$128,488$6,763
2013180163$2,917,911$17,901
20123829$1,085,069$37,416
20113620$227,990$11,400
20109667$756,217$11,287
2009126111$2,132,280$19,210
200812<10––
2007176151$1,725,527$11,427
20053725$187,763$7,511
20041,2211,109$35,797,495$32,279
20031914$801,834$57,274
20022316$128,094$8,006
200114<10––
200011391$1,660,440$18,247
19996745$703,326$15,629
19982012$49,685$4,140
19977259$431,128$7,307
1996495368$6,530,510$17,746
19954435$401,428$11,469
19942617$94,725$5,572
19908761$238,354$3,907
198915<10––
19875629$87,045$3,002
198612299$917,371$9,266
198512281$703,450$8,685
19843619$75,927$3,996
19835737$112,554$3,042
19824335$72,475$2,071
198111896$392,581$4,089
1980152110$321,996$2,927
1979171106$279,427$2,636
19788559$134,133$2,273

From 2016 to 2026: 841 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Main NFIP communities in the county

Pittsburgh (122 home policies) · Etna (120 home policies) · Shaler (96 home policies) · Oakmont (78 home policies) · Millvale (75 home policies) · Elizabeth (62 home policies)