Home Insurance in McClure, Pennsylvania
Homes in McClure carry a median value of $122,800 - 43% lower than the Snyder County median.
The typical home in McClure was built around 1953. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 61% of homes were built before 1960, about 24 points above Snyder County's 37%.
In McClure, the housing stock is 82% single-family homes and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 63% of owner-occupied homes in McClure have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 77% of occupied homes in McClure are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in McClure - 57% - 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.
Snyder County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Snyder County had 215 active NFIP flood policies as of September 2026. See the full Snyder County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Pennsylvania is $1,217 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $122,800 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Snyder County | 215 |
| 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)