Home Insurance in Lansford, Pennsylvania
With a median home value of $55,800, Lansford is 74% lower than the Carbon County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Lansford was built in 1939 or earlier. About 83% of homes were built before 1960, about 42 points above Carbon County's 41%.
Housing in Lansford breaks down to 80% single-family homes, 11% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 26% of owner-occupied homes in Lansford have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lansford has an owner-occupancy rate of 52% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
47% of homes in Lansford are primarily heated with fuel oil. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Carbon County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Carbon County had 189 active NFIP flood policies as of September 2026. See the full Carbon County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $55,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 26% |
| 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)