Home Insurance in Millbourne, Pennsylvania
The median home value in Millbourne is $266,700, 20% lower than the Delaware County median.
The typical home in Millbourne was built around 1944. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 87% of homes were built before 1960, about 30 points above Delaware County's 58%.
Housing in Millbourne breaks down to 40% single-family homes, 4% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 45% of owner-occupied homes in Millbourne have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 34% of occupied homes in Millbourne are owner-occupied.
Most homes in Millbourne - 63% - are primarily heated with natural gas.
Delaware County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. 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 | $266,700 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 34% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)