Home Insurance in Lewistown, Pennsylvania
Homes in Lewistown carry a median value of $98,500 - 37% lower than the Mifflin County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Lewistown was built in 1939 or earlier. About 79% of homes were built before 1960, about 28 points above Mifflin County's 50%.
In Lewistown, the housing stock is 66% single-family homes, 16% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
46% of owner-occupied homes in Lewistown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 40% of occupied homes in Lewistown are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 40% of homes in Lewistown are primarily heated with natural gas.
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.
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 | $98,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)