Home Insurance in Sugar Notch, Pennsylvania
The median home value in Sugar Notch is $154,700, 11% lower than the Luzerne County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Sugar Notch was built in 1939 or earlier. About 69% of homes were built before 1960, about 20 points above Luzerne County's 50%.
The housing stock in Sugar Notch is 83% single-family homes and 1% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
48% of owner-occupied homes in Sugar Notch carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Sugar Notch has an owner-occupancy rate of 58% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
In Sugar Notch, 38% of homes 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.
Luzerne County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. 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.
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 | $154,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)