Home Insurance in Laflin, Pennsylvania
Homes in Laflin carry a median value of $244,900 - 41% higher than the Luzerne County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Laflin was built around 1975. About 13% of homes were built before 1960, about 37 points below Luzerne County's 50%.
Housing in Laflin breaks down to 95% single-family homes and 1% apartments in buildings with 5+ units.
About 59% of owner-occupied homes in Laflin have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Laflin has an owner-occupancy rate of 90% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Laflin, 53% of homes are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $244,900 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)