Home Insurance in Archbald, Pennsylvania
The median home value in Archbald is $217,000, 8% higher than the Lackawanna County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Archbald was built around 1970. About 43% of homes were built before 1960, about 12 points below Lackawanna County's 55%.
Housing in Archbald breaks down to 90% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Archbald, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Archbald has an owner-occupancy rate of 76% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Archbald - 73% - are primarily heated with natural gas.
FEMA rates Lackawanna County's overall risk as Relatively Moderate, led by inland flooding (Relatively High). Lackawanna County had 987 active NFIP flood policies as of September 2026. See the full Lackawanna County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $217,000 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Lackawanna County | 987 |
| 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)