Home Insurance in Shickshinny, Pennsylvania
With a median home value of $84,800, Shickshinny is 51% lower than the Luzerne County median.
The typical home in Shickshinny was built around 1948. About 75% of homes were built before 1960, about 25 points above Luzerne County's 50%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Shickshinny is 77% single-family homes, 13% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Shickshinny, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Shickshinny has an owner-occupancy rate of 58% and a vacancy rate of 14%; 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 Shickshinny, 40% of homes are primarily heated with fuel oil.
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 | $84,800 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)