Home Insurance in Pittston, Pennsylvania
With a median home value of $126,800, Pittston is 27% 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 Pittston was built around 1947. About 61% of homes were built before 1960, about 11 points above Luzerne County's 50%.
Housing in Pittston breaks down to 63% single-family homes and 17% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
50% of owner-occupied homes in Pittston carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 47% of occupied homes in Pittston are owner-occupied.
56% of homes in Pittston 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.
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.
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 | $126,800 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)