Home Insurance in Lewis Run, Pennsylvania
Homes in Lewis Run carry a median value of $123,200 - 18% higher than the McKean County median.
The typical home in Lewis Run was built around 1957. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 52% of homes were built before 1960, about 6 points below McKean County's 59%.
The housing stock in Lewis Run is 86% single-family homes, 2% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Lewis Run, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lewis Run has an owner-occupancy rate of 84% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Lewis Run - 89% - are primarily heated with natural gas. Homes heated with propane 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 Lewis Run? FEMA's National Risk Index points to winter weather (Relatively Moderate) in McKean County and McKean County had 211 active NFIP flood policies as of September 2026. See the full McKean 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 | $123,200 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in McKean County | 211 |
| 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)