Home Insurance in Millersburg, Pennsylvania
Homes in Millersburg carry a median value of $134,500 - 43% lower than the Dauphin County median.
The typical home in Millersburg was built around 1953. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 64% of homes were built before 1960, about 26 points above Dauphin County's 39%.
Housing in Millersburg breaks down to 74% single-family homes and 15% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
61% of owner-occupied homes in Millersburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Millersburg has an owner-occupancy rate of 51% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Millersburg - 51% - are primarily heated with electricity.
Dauphin County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. 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.
In Pennsylvania, the statewide average premium for a standard HO-3 homeowners policy is $1,217 per year (NAIC, 2023 data).
Key figures
| Median home value | $134,500 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)