Home Insurance in Sunbury, Pennsylvania
The median home value in Sunbury is $107,200, 34% lower than the Northumberland County median.
The median home in Sunbury was built in 1939 or earlier. About 70% of homes were built before 1960, about 15 points above Northumberland County's 55%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Sunbury breaks down to 71% single-family homes, 15% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Sunbury, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sunbury has an owner-occupancy rate of 57% and a vacancy rate of 12%; 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. 61% of homes in Sunbury are primarily heated with natural gas.
What's the biggest home insurance risk near Sunbury? FEMA's National Risk Index points to winter weather (Relatively High) in Northumberland County and Northumberland County had 489 active NFIP flood policies as of September 2026. See the full Northumberland County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $107,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)