Home Insurance in Marietta, Pennsylvania
Homes in Marietta carry a median value of $211,600 - 30% lower than the Lancaster County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Marietta was built in 1939 or earlier. About 76% of homes were built before 1960, about 43 points above Lancaster County's 33%.
In Marietta, the housing stock is 66% single-family homes, 20% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Marietta, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Marietta are owner-occupied.
In Marietta, 63% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Marietta? FEMA's National Risk Index points to winter weather (Very High) in Lancaster County and Lancaster County had 847 active NFIP flood policies as of September 2026. See the full Lancaster County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Pennsylvania is $1,217 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $211,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Lancaster County | 847 |
| 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)