Home Insurance in West Pittston, Pennsylvania
The median home value in West Pittston is $179,100, close to the Luzerne County median.
The typical home in West Pittston was built around 1942. About 65% of homes were built before 1960, about 16 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.
Housing in West Pittston breaks down to 76% single-family homes and 7% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
59% of owner-occupied homes in West Pittston carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 53% of occupied homes in West Pittston are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In West Pittston, 67% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near West Pittston? FEMA's National Risk Index points to winter weather (Very High) in Luzerne County and 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 | $179,100 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)