Home Insurance in Nuangola, Pennsylvania
With a median home value of $259,700, Nuangola is 49% higher than the Luzerne County median.
The typical home in Nuangola was built around 1970. About 44% of homes were built before 1960, about 6 points below Luzerne County's 50%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Nuangola, the housing stock is 98% single-family homes and 1% mobile or manufactured homes.
About 54% of owner-occupied homes in Nuangola have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Nuangola has an owner-occupancy rate of 87% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Nuangola, 40% of homes are primarily heated with electricity.
FEMA rates Luzerne County's overall risk as Relatively Moderate, led by winter weather (Very High). 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 | $259,700 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)