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Flood insurance cost · Westmoreland County, PA

Flood insurance cost in Westmoreland County, Pennsylvania

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 729 home policies in force on August 31, 2026.

Westmoreland County, PennsylvaniaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,213a year

Half of insured homes paid between $757 and $1,790. That is about the same as the Pennsylvania median ($1,232). Most insured homes here are rated in zone AE (58%).

$0$757 · $1,213 · $1,790$2,238
+9.7% vs Aug 31, 2025 (median $1,106)
729home policies in force
$1,443average cost (mean)
75%of insured homes in high-risk zones (A, V)
$144,000median 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 Westmoreland 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		$1,390$958–$2,050$1,653420 (58%)+7.2%
Zone A
High risk		$1,293$833–$1,869$1,495124 (17%)+1.9%
Zone X
Moderate to low risk		$792$545–$1,233$935185 (25%)+3.4%

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 Westmoreland County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home688$1,220$1,447
2–4 unit building25$1,188$1,413
Manufactured (mobile) home10$1,520$1,699
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.		25$2,109$2,496
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		147$2,440$3,989

Not shown (fewer than 10 policies): condo or apartment unit.

901NFIP policies in force, any building
901insured units (condo association policies count every unit)
60%of home policies also cover contents
$60,000median contents coverage, when bought

One year on: Westmoreland 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 force768729−5.1%
Median annual cost$1,106$1,213+9.7%
Average annual cost$1,337$1,443+7.9%
All policies in force (any building)943901−4.5%

How many homes have flood insurance?

0.5%of all homes in Westmoreland County have an NFIP policy
20.8%of homes in high-risk zones (special flood hazard area) have one
143,144residential buildings counted by FEMA
2,720of 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 Westmoreland County, Pennsylvania have filed 1,613 flood claims. 1,255 received a payment, for a total of $21.5 million (an average of $17,155 per paid claim). The year with the most claims was 1996 (231 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 66 claims, 48 paid, $58,865 in total1979: 62 claims, 44 paid, $102,236 in total1980: 17 claims, 13 paid, $16,049 in total19801981: 53 claims, 41 paid, $263,259 in total1985: 135 claims, 87 paid, $322,848 in total19851987: 13 claims, 11 paid, $33,375 in total1989: 13 claims1990: 17 claims19901992: 14 claims, 12 paid, $45,663 in total1996: 231 claims, 185 paid, $2,136,821 in total19961997: 52 claims, 39 paid, $206,469 in total2000: 20 claims, 13 paid, $104,166 in total20002003: 39 claims, 31 paid, $145,773 in total2004: 125 claims, 112 paid, $3,017,319 in total2005: 30 claims, 23 paid, $1,296,940 in total2007: 27 claims, 24 paid, $366,108 in total2009: 123 claims, 111 paid, $4,192,899 in total2010: 11 claims20102011: 12 claims, 10 paid, $108,582 in total2012: 26 claims, 20 paid, $398,948 in total2013: 35 claims, 31 paid, $443,202 in total2014: 16 claims, 11 paid, $51,372 in total2015: 20 claims, 16 paid, $176,167 in total2016: 22 claims, 18 paid, $276,224 in total2017: 15 claims, 10 paid, $147,834 in total2018: 174 claims, 163 paid, $3,972,547 in total20182019: 52 claims, 41 paid, $641,015 in total20202022: 16 claims, 13 paid, $609,175 in total2024: 28 claims, 23 paid, $336,784 in total2025: 22 claims, 21 paid, $1,039,353 in total2026: 41 claims, 16 paid, $283,294 in total
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 (31)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20264116$283,294$17,706
20252221$1,039,353$49,493
20242823$336,784$14,643
20221613$609,175$46,860
20195241$641,015$15,635
2018174163$3,972,547$24,371
20171510$147,834$14,783
20162218$276,224$15,346
20152016$176,167$11,010
20141611$51,372$4,670
20133531$443,202$14,297
20122620$398,948$19,947
20111210$108,582$10,858
201011<10––
2009123111$4,192,899$37,774
20072724$366,108$15,254
20053023$1,296,940$56,389
2004125112$3,017,319$26,940
20033931$145,773$4,702
20002013$104,166$8,013
19975239$206,469$5,294
1996231185$2,136,821$11,550
19921412$45,663$3,805
199017<10––
198913<10––
19871311$33,375$3,034
198513587$322,848$3,711
19815341$263,259$6,421
19801713$16,049$1,235
19796244$102,236$2,324
19786648$58,865$1,226

From 2016 to 2026: 370 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

Ligonier (95 home policies) · Hempfield (75 home policies) · Derry (46 home policies) · West Newton (46 home policies) · North Huntingdon (44 home policies) · Unity (43 home policies)