Home Insurance in Forty Fort, Pennsylvania
With a median home value of $173,000, Forty Fort is close to the Luzerne County median.
The typical home in Forty Fort was built around 1942. About 75% of homes were built before 1960, about 25 points above Luzerne County's 50%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Forty Fort breaks down to 62% single-family homes and 3% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 52% of owner-occupied homes in Forty Fort have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Forty Fort has an owner-occupancy rate of 57% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Forty Fort - 77% - are primarily heated with natural gas.
FEMA rates Luzerne County's overall risk as Relatively Moderate, led by winter weather (Very High). 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 | $173,000 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)