Home Insurance in Carbondale, Pennsylvania
The median home value in Carbondale is $132,200, 34% lower 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 Carbondale was built around 1955. About 57% of homes were built before 1960, about 2 points above Lackawanna County's 55%.
In Carbondale, the housing stock is 59% single-family homes and 14% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Carbondale, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 51% of occupied homes in Carbondale are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Carbondale - 73% - are primarily heated with natural gas.
Lackawanna County had 987 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively High). 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.
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 | $132,200 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)