Home Insurance in Millville, Pennsylvania
Homes in Millville carry a median value of $218,100 - 6% higher than the Columbia County median.
The typical home in Millville was built around 1964. About 41% of homes were built before 1960, about 2 points above Columbia County's 39%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Millville is 62% single-family homes and 18% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Millville, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 51% of occupied homes in Millville are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 47% of homes in Millville are primarily heated with electricity.
Columbia County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Columbia County had 540 active NFIP flood policies as of September 2026. See the full Columbia 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 | $218,100 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Columbia County | 540 |
| 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)