Home Insurance in Jim Thorpe, Pennsylvania
The median home value in Jim Thorpe is $209,800, close to the Carbon County median.
The median home in Jim Thorpe was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 68% of homes were built before 1960, about 27 points above Carbon County's 41%.
In Jim Thorpe, the housing stock is 91% single-family homes, 2% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Jim Thorpe, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Jim Thorpe has an owner-occupancy rate of 87% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
In Jim Thorpe, 36% of homes are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Carbon County had 189 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Carbon County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $209,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Carbon County | 189 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Nearby towns
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)