Home Insurance in Moscow, Pennsylvania
Homes in Moscow carry a median value of $307,000 - 52% higher than the Lackawanna County median.
The typical home in Moscow was built around 1981. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 34% of homes were built before 1960, about 21 points below Lackawanna County's 55%.
Housing in Moscow breaks down to 80% single-family homes, 13% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 60% of owner-occupied homes in Moscow have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Moscow has an owner-occupancy rate of 79% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Moscow - 56% - are primarily heated with fuel oil. Homes heated with propane and 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 | $307,000 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)