Home Insurance in Media, Pennsylvania
The median home value in Media is $467,800, 41% higher than the Delaware County median.
The typical home in Media was built around 1959. About 52% of homes were built before 1960, about 6 points below Delaware County's 58%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Media, the housing stock is 43% single-family homes and 42% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 63% of owner-occupied homes in Media have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 42% of occupied homes in Media 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. Most homes in Media - 53% - are primarily heated with natural gas.
What's the biggest home insurance risk near Media? 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.
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 | $467,800 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 42% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)