Home Insurance in Jeddo, Pennsylvania
The median home value in Jeddo is $125,700, 28% lower than the Luzerne County median.
The median home in Jeddo was built in 1939 or earlier. About 72% of homes were built before 1960, about 22 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.
Housing in Jeddo breaks down to 100% single-family homes.
About 30% of owner-occupied homes in Jeddo have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Jeddo has an owner-occupancy rate of 88% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Jeddo - 65% - are primarily heated with fuel oil.
Luzerne County had 4,405 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). 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 | $125,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 30% |
| 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)