Home Insurance in Lewisburg, Pennsylvania
The median home value in Lewisburg is $235,200, close to the Union County median.
The median home in Lewisburg was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 75% of homes were built before 1960, about 39 points above Union County's 37%.
Housing in Lewisburg breaks down to 50% single-family homes and 28% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
46% of owner-occupied homes in Lewisburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lewisburg has an owner-occupancy rate of 41% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 37% of homes in Lewisburg are primarily heated with electricity.
Union County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Union County had 256 active NFIP flood policies as of September 2026. See the full Union 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 | $235,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 41% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Union County | 256 |
| 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)