Home Insurance in Hughesville, Pennsylvania
Homes in Hughesville carry a median value of $208,700 - close to the Lycoming County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Hughesville was built in 1939 or earlier. About 70% of homes were built before 1960, about 23 points above Lycoming County's 48%.
In Hughesville, the housing stock is 60% single-family homes and 16% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Hughesville, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 46% of occupied homes in Hughesville are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 34% of homes in Hughesville are primarily heated with electricity.
Lycoming County had 724 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). See the full Lycoming County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Pennsylvania carries a statewide average premium of $1,217 per year.
Key figures
| Median home value | $208,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Lycoming County | 724 |
| 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)