Home Insurance in Wyoming County, Pennsylvania
With a median home value of $215,400, Wyoming County is 15% lower than the Pennsylvania median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Wyoming County was built around 1974. About 36% of homes were built before 1960, about 9 points below Pennsylvania's 45%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Wyoming County is 81% single-family homes, 3% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
In Wyoming County, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 78% of occupied homes in Wyoming County are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Wyoming County, 35% of homes 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.
The top hazards for Wyoming County, per FEMA's National Risk Index, are inland flooding (Relatively Low), hurricane (Relatively Low) and winter weather (Relatively Low).
Wyoming County had 230 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.
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 | $215,400 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Low), Hurricane (Relatively Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 230 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
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)