Home Insurance in Lock Haven, Pennsylvania
With a median home value of $137,300, Lock Haven is 22% lower than the Clinton County median.
The typical home in Lock Haven was built around 1958. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 52% of homes were built before 1960, about 9 points above Clinton County's 43%.
In Lock Haven, the housing stock is 39% single-family homes, 18% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Lock Haven, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 39% of occupied homes in Lock Haven are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 39% of homes in Lock Haven are primarily heated with natural gas.
Clinton County had 370 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). See the full Clinton County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Pennsylvania is $1,217 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $137,300 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 39% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Clinton County | 370 |
| 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)