Home Insurance in Montoursville, Pennsylvania
Homes in Montoursville carry a median value of $208,200 - close to the Lycoming County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Montoursville was built around 1956. About 63% of homes were built before 1960, about 15 points above Lycoming County's 48%.
Housing in Montoursville breaks down to 74% single-family homes and 15% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Montoursville, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Montoursville has an owner-occupancy rate of 66% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
54% of homes in Montoursville are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Lycoming County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Lycoming County had 724 active NFIP flood policies as of September 2026. 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 | $208,200 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)