Home Insurance in Edwardsville, Pennsylvania
With a median home value of $123,200, Edwardsville is 29% lower than the Luzerne County median.
The typical home in Edwardsville was built around 1959. About 51% of homes were built before 1960, about 1 point above Luzerne County's 50%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Edwardsville breaks down to 58% single-family homes and 17% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
70% of owner-occupied homes in Edwardsville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 46% of occupied homes in Edwardsville are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Edwardsville - 63% - are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Luzerne County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. 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.
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 | $123,200 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)