Home Insurance in Mill Village, Pennsylvania
With a median home value of $135,900, Mill Village is 23% lower than the Erie County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Mill Village was built around 1958. About 51% of homes were built before 1960, about 5 points above Erie County's 46%.
In Mill Village, the housing stock is 75% single-family homes and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 67% of owner-occupied homes in Mill Village have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Mill Village has an owner-occupancy rate of 89% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Mill Village - 79% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Erie County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Erie County had 365 active NFIP flood policies as of September 2026. See the full Erie 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 | $135,900 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Erie County | 365 |
| 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)