Home Insurance in Stroudsburg, Pennsylvania
The median home value in Stroudsburg is $229,800, 14% lower than the Monroe County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Stroudsburg was built around 1951. About 66% of homes were built before 1960, about 49 points above Monroe County's 17%.
The housing stock in Stroudsburg is 54% single-family homes and 19% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Stroudsburg, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 42% of occupied homes in Stroudsburg are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 40% of homes in Stroudsburg are primarily heated with electricity.
Monroe County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. 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 | $229,800 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 42% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)