Home Insurance in Blakely, Pennsylvania
The median home value in Blakely is $198,300, close to the Lackawanna County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Blakely was built around 1945. About 60% of homes were built before 1960, about 6 points above Lackawanna County's 55%.
In Blakely, the housing stock is 72% single-family homes and 3% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
43% of owner-occupied homes in Blakely carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Blakely has an owner-occupancy rate of 68% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Blakely - 83% - 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.
Lackawanna County's top FEMA-rated hazard is inland flooding (Relatively High), per FEMA's National Risk Index. 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.
In Pennsylvania, the statewide average premium for a standard HO-3 homeowners policy is $1,217 per year (NAIC, 2023 data).
Key figures
| Median home value | $198,300 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)