Home Insurance in Lehighton, Pennsylvania
With a median home value of $213,600, Lehighton is close to the Carbon County median.
The typical home in Lehighton was built around 1942. About 65% of homes were built before 1960, about 24 points above Carbon County's 41%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Lehighton is 70% single-family homes, 14% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Lehighton, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 50% of occupied homes in Lehighton are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 33% of homes in Lehighton are primarily heated with fuel oil.
FEMA rates Carbon County's overall risk as Relatively Low, led by winter weather (Relatively Moderate). 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.
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 | $213,600 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)