Home Insurance in Muncy, Pennsylvania
Homes in Muncy carry a median value of $193,800 - close to the Lycoming County median.
The median home in Muncy was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 62% of homes were built before 1960, about 15 points above Lycoming County's 48%.
Housing in Muncy breaks down to 74% single-family homes and 7% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
73% of owner-occupied homes in Muncy carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Muncy are owner-occupied.
62% of homes in Muncy are primarily heated with natural gas.
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 | $193,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 71% |
| 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
- Hughesville
- Montgomery
- Picture Rocks
- Turbotville
- Montoursville
- Watsontown
- McEwensville
- South Williamsport
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)