Home Insurance in Starrucca, Pennsylvania
Homes in Starrucca carry a median value of $156,300 - 35% lower than the Wayne County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Starrucca was built in 1939 or earlier. About 63% of homes were built before 1960, about 36 points above Wayne County's 26%.
The housing stock in Starrucca is 97% single-family homes and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
79% of owner-occupied homes in Starrucca carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 34%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 87% of occupied homes in Starrucca are owner-occupied.
52% of homes in Starrucca are primarily heated with fuel oil. 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.
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.
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 | $156,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 79% |
| 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)