Home Insurance in Clarks Green, Pennsylvania
The median home value in Clarks Green is $294,400, 46% higher than the Lackawanna County median.
The typical home in Clarks Green was built around 1959. About 51% of homes were built before 1960, about 3 points below Lackawanna County's 55%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Clarks Green is 96% single-family homes and 2% apartments in buildings with 5+ units.
About 59% of owner-occupied homes in Clarks Green have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Clarks Green has an owner-occupancy rate of 92% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Clarks Green - 84% - are primarily heated with natural gas.
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.
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 | $294,400 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)