Home Insurance in Courtdale, Pennsylvania
Homes in Courtdale carry a median value of $159,500 - 8% lower than the Luzerne County median.
The typical home in Courtdale was built around 1959. About 51% of homes were built before 1960, about 2 points above Luzerne County's 50%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Courtdale, the housing stock is 92% single-family homes and 2% mobile or manufactured homes.
47% of owner-occupied homes in Courtdale carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Courtdale has an owner-occupancy rate of 83% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Courtdale - 74% - are primarily heated with natural gas.
What's the biggest home insurance risk near Courtdale? FEMA's National Risk Index points to winter weather (Very High) in Luzerne County and Luzerne County had 4,405 active NFIP flood policies as of September 2026. See the full Luzerne County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $159,500 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Luzerne County | 4,405 |
| 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)