Home Insurance in Warrior Run, Pennsylvania
The median home value in Warrior Run is $105,400, 39% lower than the Luzerne County median.
The median home in Warrior Run was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 80% of homes were built before 1960, about 30 points above Luzerne County's 50%.
Housing in Warrior Run breaks down to 92% single-family homes and 1% apartments in buildings with 5+ units.
About 62% of owner-occupied homes in Warrior Run have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Warrior Run has an owner-occupancy rate of 76% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Warrior Run, 34% of homes are primarily heated with fuel oil. Homes heated with propane and 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 | $105,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)