Home Insurance in Mifflin, Pennsylvania
The median home value in Mifflin is $91,400, 58% lower than the Juniata County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Mifflin was built in 1939 or earlier. About 90% of homes were built before 1960, about 52 points above Juniata County's 37%.
Housing in Mifflin breaks down to 68% single-family homes and 16% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Mifflin, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Mifflin has an owner-occupancy rate of 50% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
In Mifflin, 49% of homes are primarily heated with fuel oil. Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Juniata County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Juniata County had 76 active NFIP flood policies as of September 2026. See the full Juniata 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 | $91,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Juniata County | 76 |
| 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)