Home Insurance in Lackawanna County, Pennsylvania
The median home value in Lackawanna County is $201,800, 21% lower than the Pennsylvania median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lackawanna County was built around 1955. About 55% of homes were built before 1960, about 10 points above Pennsylvania's 45%.
In Lackawanna County, the housing stock is 71% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Lackawanna County, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Lackawanna County are owner-occupied.
Most homes in Lackawanna County - 64% - are primarily heated with natural gas. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists inland flooding (Relatively High), winter weather (Relatively High) and hurricane (Relatively Moderate) as the leading hazards for Lackawanna County.
Lackawanna County had 987 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 | $201,800 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively High), Winter Weather (Relatively High), Hurricane (Relatively Moderate) |
| Active NFIP flood policies (county) | 987 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
- Archbald
- Blakely
- Carbondale
- Clarks Green
- Clarks Summit
- Dalton
- Dickson City
- Dunmore
- Jermyn
- Jessup
- Mayfield
- Moosic
- Moscow
- Old Forge
- Olyphant
- Scranton
- Taylor
- Throop
- Vandling
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)