Home Insurance in Liberty, Pennsylvania
With a median home value of $118,800, Liberty is 34% lower than the Tioga County median.
The median home in Liberty was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 68% of homes were built before 1960, about 27 points above Tioga County's 41%.
In Liberty, the housing stock is 69% single-family homes, 11% apartments in buildings with 5+ units and 4% 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.
64% of owner-occupied homes in Liberty carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Liberty has an owner-occupancy rate of 54% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Liberty, 74% of homes are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Tioga County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Tioga County had 248 active NFIP flood policies as of September 2026. See the full Tioga County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $118,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Tioga County | 248 |
| 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)