Home Insurance in Honesdale, Pennsylvania
The median home value in Honesdale is $182,400, 25% lower than the Wayne County median.
The typical home in Honesdale was built around 1952. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 64% of homes were built before 1960, about 38 points above Wayne County's 26%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Honesdale is 59% single-family homes, 12% apartments in buildings with 5+ units and 10% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 34% of owner-occupied homes in Honesdale have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 52% of occupied homes in Honesdale are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
42% of homes in Honesdale are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Wayne County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. 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 | $182,400 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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)