Home Insurance in Laurel Run, Pennsylvania
With a median home value of $58,000, Laurel Run is 67% lower 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 Laurel Run was built around 1983. About 19% of homes were built before 1960, about 31 points below Luzerne County's 50%.
The housing stock in Laurel Run is 44% single-family homes and 56% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Laurel Run, about 27% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 94% of occupied homes in Laurel Run are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
48% of homes in Laurel Run are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Laurel Run? FEMA's National Risk Index points to winter weather (Very High) in Luzerne County and 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 | $58,000 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 27% |
| 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)