Home Insurance in Mifflin County, Pennsylvania
The median home value in Mifflin County is $156,700, 38% lower than the Pennsylvania median.
The typical home in Mifflin County was built around 1960. About 50% of homes were built before 1960, about 6 points above Pennsylvania's 45%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Mifflin County is 80% single-family homes, 6% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 49% of owner-occupied homes in Mifflin County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Mifflin County are owner-occupied.
In Mifflin County, 41% of homes are primarily heated with fuel oil. 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.
FEMA's National Risk Index lists inland flooding (Relatively Moderate), winter weather (Relatively Moderate) and strong wind (Relatively Moderate) as the leading hazards for Mifflin County.
Mifflin County had 236 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $156,700 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Winter Weather (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 236 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
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)