Insurance for farms near Scranton, PA

Farm families around Scranton (75,905 residents) shop, sell, and repair in Lackawanna County. Census County Business Patterns lists 8 nursery, garden, and farm supply stores there for 2023.

What supports farms near Scranton

County Business Patterns 2023: all industries and NAICS 115, 424910, 444220. Farms themselves are largely outside CBP.

Lackawanna County's employer establishments paid about $49,322 per employee in 2023 (Census). Off-farm jobs in town are a key income source for many farm families, and they shape who is home to tend livestock during the day.

Vehicles, roads, and the Scranton area

2% of Scranton households own three or more vehicles (Pennsylvania: 4%). In farm country that often means pickups, a grain truck, and a stock trailer in the yard, each needing the right coverage.

Solo drivers account for 71% of Scranton commuters; 43% reach work in under 15 minutes. Lights, slow-moving vehicle emblems, and escort vehicles on wide equipment protect both farmers and commuters.

Only 14% of Scranton households have no vehicle. Distance defines rural life, including the time it takes a volunteer fire department to reach a farmstead, a factor insurers weigh for every farm policy.

The Scranton housing stock

Half of Scranton's housing predates 1938. Older farmhouses commonly mean older heating systems and wiring, and replacement cost can far exceed market value in rural areas.

Of Scranton's 35,512.0 homes, 15% are in buildings with five or more units and 50% of households rent. Town housing matters to farms because it is where seasonal and hired help usually live.

There are 30,247 households in Scranton, and 13% of its 31,984 workers carpool while 1.2% use transit. Farms hiring seasonal help from Scranton should think about how those workers will get to the field each day.

9% of Scranton workers work from home (Pennsylvania: 16%). On the farm, home and work have always been the same place, which is why a farm policy has to cover both.

American Community Survey 2020–2024 (vehicles, commuting, year built, structure type, tenure); Census 2024 population estimates.

BLS estimates 2,940 crop, nursery, and greenhouse farmworkers on Pennsylvania payrolls, with a median wage of $37,010; livestock farmworkers number 1,330 at a median $35,360 (May 2025). Owners and family members are not counted.

Lackawanna County accounts for 1.7% of Pennsylvania's employer establishments, and 50% of the county's businesses have fewer than five employees. Small, family-run businesses are the norm in towns like Scranton, on and off the farm.

Practical farm habits around Scranton

• Keep heaters away from bedding and straw.
• Clear snow from wide barn roofs.
• Post warnings and set rules for farm visitors.
• Lock fuel tanks and record equipment serial numbers.

A farm year, season by season walks through how risks change for farms near Scranton.

Neighboring market towns

Businesses with employees in Philadelphia's county: 29,460. Businesses with employees in Pittsburgh's county: 33,812. By share of three-vehicle households, Scranton ranks 13th of 30 Pennsylvania towns on this site.

Scranton farm quote checklist

• Visitors: Stands, U-pick, events
• Claims history: Any prior claims
• Help: Hired workers and payroll
• Vehicles: Trucks and trailers
• Livestock: Species, numbers, values
• Acres: Owned and rented, and their uses

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Farm pages near Scranton

• Bethlehem
• Allentown
• Lancaster
• Reading
• Erie
• Harrisburg
• Philadelphia
• Pittsburgh

Farm insurance in Pennsylvania · Coverage

Last updated October 15, 2026 · How we research