Home Insurance in Mifflintown, Pennsylvania
Homes in Mifflintown carry a median value of $162,500 - 25% lower than the Juniata County median.
The median home in Mifflintown was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 70% of homes were built before 1960, about 32 points above Juniata County's 37%.
Housing in Mifflintown breaks down to 50% single-family homes and 30% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
66% of owner-occupied homes in Mifflintown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 40% of occupied homes in Mifflintown are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Mifflintown, 48% of homes are primarily heated with electricity. Homes heated with propane and fuel oil 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 | $162,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)