Flooding in Pittsburgh WHAT YOU NEED TO KNOW

Pittsburgh’s iconic three rivers—the Allegheny, Monongahela, and Ohio—give the city its unique landscape, but they also bring a constant risk of flooding. Add in steep hillsides, older neighborhoods, and aging stormwater systems, and it’s clear that flooding in Pittsburgh isn’t just a riverfront issue—it can affect almost every part of the city. In fact, studies show that close to 22,000 properties in Pittsburgh are already at risk of flooding. However, what many homeowners don’t realize is this: most standard homeowners insurance doesn’t cover flood damage. Whether the water enters your home from river overflow, flash floods, or a heavy rainstorm, you’ll need separate private flood insurance in Pittsburgh, PA to be protected financially.

Flood Zones in Pittsburgh

Pittsburgh includes a range of FEMA-designated flood zones, particularly along its rivers, creeks, and valleys. Properties located in Zone AE (high-risk) are typically required to carry flood insurance if financed with a federally backed mortgage. But many properties in Zone X (moderate-to-low risk) are also vulnerable. In fact, FEMA reports that 40% of all flood insurance claims come from homes outside high-risk zones, especially in areas with poor drainage or steep slopes.