Home Insurance in McEwensville, Pennsylvania
With a median home value of $193,800, McEwensville is 19% higher than the Northumberland County median.
The typical home in McEwensville was built around 1951. About 56% of homes were built before 1960, in line with Northumberland County (55%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In McEwensville, the housing stock is 80% single-family homes and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
62% of owner-occupied homes in McEwensville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
McEwensville has an owner-occupancy rate of 73% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 50% of homes in McEwensville are primarily heated with fuel oil.
Northumberland County had 489 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Northumberland 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 | $193,800 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Northumberland County | 489 |
| 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)