Home Insurance in Kingston, Pennsylvania
Homes in Kingston carry a median value of $172,900 - close to the Luzerne County median.
The typical home in Kingston was built around 1952. About 61% of homes were built before 1960, about 12 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 Kingston, the housing stock is 65% single-family homes and 12% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 56% of owner-occupied homes in Kingston have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Kingston has an owner-occupancy rate of 52% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Kingston, 67% of homes are primarily heated with natural gas.
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.
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 | $172,900 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)