Home Insurance in Harveys Lake, Pennsylvania
The median home value in Harveys Lake is $238,600, 37% higher than the Luzerne County median.
The typical home in Harveys Lake was built around 1974. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 30% of homes were built before 1960, about 20 points below Luzerne County's 50%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Harveys Lake is 88% single-family homes and 5% mobile or manufactured homes.
In Harveys Lake, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 79% of occupied homes in Harveys Lake are owner-occupied. The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Harveys Lake, 31% of homes 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.
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 | $238,600 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)