Home Insurance in Susquehanna County, Pennsylvania
Homes in Susquehanna County carry a median value of $216,400 - 15% lower than the Pennsylvania median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Susquehanna County was built around 1975. About 35% of homes were built before 1960, about 10 points below Pennsylvania's 45%.
The housing stock in Susquehanna County is 80% single-family homes, 3% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 42% of owner-occupied homes in Susquehanna County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Susquehanna County has an owner-occupancy rate of 78% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 34% of homes in Susquehanna County are primarily heated with fuel oil.
FEMA's National Risk Index lists hurricane (Relatively Low), inland flooding (Relatively Low) and tornado (Relatively Low) as the leading hazards for Susquehanna County.
Susquehanna County had 203 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Pennsylvania is $1,217 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $216,400 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Inland Flooding (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 203 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
- Forest City
- Great Bend
- Hallstead
- Hop Bottom
- Lanesboro
- Montrose
- New Milford
- Oakland
- Susquehanna Depot
- Union Dale
Smaller communities
-
Friendsville
- Median home value: $235,000
- Median year built: 1984
- Owner-occupied share: 85%
-
Little Meadows
- Median home value: $185,400
- Median year built: 1959
- Owner-occupied share: 85%
-
Thompson
- Median home value: $158,300
- Median year built: 1939 or earlier
- Owner-occupied share: 58%
Sources
- 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)