Home Insurance in Scranton, Pennsylvania
The median home value in Scranton is $158,100, 22% lower than the Lackawanna County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Scranton was built in 1939 or earlier. About 72% of homes were built before 1960, about 18 points above Lackawanna County's 55%.
Housing in Scranton breaks down to 59% single-family homes and 15% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 47% of owner-occupied homes in Scranton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 50% of occupied homes in Scranton are owner-occupied.
Most homes in Scranton - 75% - are primarily heated with natural gas.
What's the biggest home insurance risk near Scranton? FEMA's National Risk Index points to inland flooding (Relatively High) in Lackawanna County and 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.
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 | $158,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)