Home Insurance in Thompsontown, Pennsylvania
With a median home value of $147,600, Thompsontown is 32% lower than the Juniata County median.
The typical home in Thompsontown was built around 1959. About 52% of homes were built before 1960, about 15 points above Juniata County's 37%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Thompsontown is 55% single-family homes, 33% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Thompsontown, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Thompsontown has an owner-occupancy rate of 55% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
52% of homes in Thompsontown are primarily heated with fuel oil. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Thompsontown? FEMA's National Risk Index points to hurricane (Relatively Low) in Juniata County and 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.
In Pennsylvania, the statewide average premium for a standard HO-3 homeowners policy is $1,217 per year (NAIC, 2023 data).
Key figures
| Median home value | $147,600 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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)