Home Insurance in Freeland, Pennsylvania
Homes in Freeland carry a median value of $118,000 - 32% lower than the Luzerne County median.
The median home in Freeland was built in 1939 or earlier. 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.
In Freeland, the housing stock is 80% single-family homes, 9% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 53% of owner-occupied homes in Freeland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Freeland has an owner-occupancy rate of 50% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Freeland - 57% - are primarily heated with fuel oil.
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.
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 | $118,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)