Home Insurance in Carbon County, Pennsylvania
With a median home value of $211,400, Carbon County is 17% lower than the Pennsylvania median.
The typical home in Carbon County was built around 1972. About 41% of homes were built before 1960, about 4 points below Pennsylvania's 45%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Carbon County is 86% single-family homes, 5% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
About 56% of owner-occupied homes in Carbon County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Carbon County are owner-occupied.
40% of homes in Carbon County are primarily heated with fuel oil. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Carbon County's top hazards are winter weather (Relatively Moderate), strong wind (Relatively Moderate) and hurricane (Relatively Low).
Carbon County had 189 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Pennsylvania is $1,217 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $211,400 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Strong Wind (Relatively Moderate), Hurricane (Relatively Low) |
| Active NFIP flood policies (county) | 189 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
- Beaver Meadows
- Bowmanstown
- East Side
- Jim Thorpe
- Lansford
- Lehighton
- Nesquehoning
- Palmerton
- Parryville
- Summit Hill
- Weatherly
- Weissport
Sources
- 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)