Home Insurance in Juniata Terrace, Pennsylvania
The median home value in Juniata Terrace is $70,000, 55% lower than the Mifflin County median.
The median home in Juniata Terrace was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 88% of homes were built before 1960, about 38 points above Mifflin County's 50%.
Housing in Juniata Terrace breaks down to 94% single-family homes, 1% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 37% of owner-occupied homes in Juniata Terrace have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 53% of occupied homes in Juniata Terrace are owner-occupied.
46% of homes in Juniata Terrace 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.
FEMA rates Mifflin County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Mifflin County had 236 active NFIP flood policies as of September 2026. See the full Mifflin County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners 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 | $70,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Mifflin County | 236 |
| 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)