Home Insurance in Mount Pocono, Pennsylvania
Homes in Mount Pocono carry a median value of $241,100 - 10% lower than the Monroe County median.
The typical home in Mount Pocono was built around 1984. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 29% of homes were built before 1960, about 12 points above Monroe County's 17%.
In Mount Pocono, the housing stock is 66% single-family homes and 23% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Mount Pocono, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 56% of occupied homes in Mount Pocono are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
70% of homes in Mount Pocono are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Mount Pocono? FEMA's National Risk Index points to winter weather (Relatively High) in Monroe County and Monroe County had 409 active NFIP flood policies as of September 2026. See the full Monroe County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Pennsylvania, the statewide average premium for a standard HO-3 homeowners policy is $1,217 per year (NAIC, 2023 data).
Key figures
| Median home value | $241,100 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Monroe County | 409 |
| 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)