Home Insurance in Gratz, Pennsylvania
The median home value in Gratz is $147,300, 38% lower than the Dauphin County median.
The median home in Gratz was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 70% of homes were built before 1960, about 32 points above Dauphin County's 39%.
The housing stock in Gratz is 82% single-family homes, 10% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
44% of owner-occupied homes in Gratz carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 39% of occupied homes in Gratz are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
53% of homes in Gratz 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.
What's the biggest home insurance risk near Gratz? FEMA's National Risk Index points to winter weather (Very High) in Dauphin County and Dauphin County had 1,431 active NFIP flood policies as of September 2026. See the full Dauphin 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 | $147,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 39% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Dauphin County | 1,431 |
| 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)