Home Insurance in Mill Creek, Pennsylvania
The median home value in Mill Creek is $121,900, 33% lower than the Huntingdon County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Mill Creek was built around 1947. About 70% of homes were built before 1960, about 31 points above Huntingdon County's 39%.
The housing stock in Mill Creek is 77% single-family homes, 18% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
56% of owner-occupied homes in Mill Creek carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Mill Creek are owner-occupied.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 37% of homes in Mill Creek are primarily heated with fuel oil.
What's the biggest home insurance risk near Mill Creek? FEMA's National Risk Index points to strong wind (Relatively High) in Huntingdon County and Huntingdon County had 263 active NFIP flood policies as of September 2026. See the full Huntingdon 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 | $121,900 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Huntingdon County | 263 |
| 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)