Home Insurance in Hawley, Pennsylvania
The median home value in Hawley is $188,400, 22% lower than the Wayne County median.
The median home in Hawley was built in 1939 or earlier. About 69% of homes were built before 1960, about 42 points above Wayne County's 26%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Hawley breaks down to 54% single-family homes, 14% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 57% of owner-occupied homes in Hawley have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hawley has an owner-occupancy rate of 48% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
42% of homes in Hawley are primarily heated with electricity. Homes heated with 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 Hawley? FEMA's National Risk Index points to hurricane (Relatively Low) in Wayne County and Wayne County had 171 active NFIP flood policies as of September 2026. See the full Wayne 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 | $188,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Wayne County | 171 |
| 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)