Home Insurance in Myerstown, Pennsylvania
Homes in Myerstown carry a median value of $186,300 - 23% lower than the Lebanon County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Myerstown was built around 1942. About 69% of homes were built before 1960, about 30 points above Lebanon County's 39%.
In Myerstown, the housing stock is 76% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
62% of owner-occupied homes in Myerstown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Myerstown has an owner-occupancy rate of 52% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Myerstown, 39% of homes are primarily heated with natural gas.
Lebanon County had 273 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Lebanon 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 | $186,300 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Lebanon County | 273 |
| 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)