Home Insurance in Luzerne, Pennsylvania
With a median home value of $113,900, Luzerne is 35% lower than the Luzerne County median.
The typical home in Luzerne was built around 1950. About 72% of homes were built before 1960, about 23 points above Luzerne County's 50%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Luzerne breaks down to 71% single-family homes, 12% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
56% of owner-occupied homes in Luzerne carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Luzerne are owner-occupied.
Most homes in Luzerne - 73% - are primarily heated with natural gas.
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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Pennsylvania carries a statewide average premium of $1,217 per year.
Key figures
| Median home value | $113,900 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 59% |
| 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)