Home Insurance in Lycoming County, Pennsylvania
The median home value in Lycoming County is $202,200, 21% lower than the Pennsylvania median.
The typical home in Lycoming County was built around 1963. About 48% of homes were built before 1960, about 3 points above Pennsylvania's 45%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Lycoming County is 75% single-family homes, 10% 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.
57% of owner-occupied homes in Lycoming County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 69% of occupied homes in Lycoming County are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 35% of homes in Lycoming County are primarily heated with natural gas.
The top hazards for Lycoming County, per FEMA's National Risk Index, are inland flooding (Relatively Moderate), winter weather (Relatively High) and strong wind (Relatively High).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Lycoming County has 724 active NFIP flood policies on file.
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 | $202,200 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Winter Weather (Relatively High), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 724 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
- Duboistown
- Hughesville
- Jersey Shore
- Montgomery
- Montoursville
- Muncy
- Picture Rocks
- Salladasburg
- South Williamsport
- Williamsport
Sources
- 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)