Home Insurance in Marcus Hook, Pennsylvania
Homes in Marcus Hook carry a median value of $134,200 - 60% lower than the Delaware County median.
The typical home in Marcus Hook was built around 1944. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 68% of homes were built before 1960, about 11 points above Delaware County's 58%.
The housing stock in Marcus Hook is 63% single-family homes and 5% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 57% of owner-occupied homes in Marcus Hook have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Marcus Hook has an owner-occupancy rate of 36% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
44% of homes in Marcus Hook are primarily heated with natural gas. Homes heated with fuel oil 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 Marcus Hook? FEMA's National Risk Index points to winter weather (Very High) in Delaware County and Delaware County had 2,016 active NFIP flood policies as of September 2026. See the full Delaware 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 | $134,200 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 36% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Delaware County | 2,016 |
| 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)