Home Insurance in Sheakleyville, Pennsylvania
With a median home value of $86,700, Sheakleyville is 47% lower than the Mercer County median.
The typical home in Sheakleyville was built around 1957. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 55% of homes were built before 1960, about 9 points above Mercer County's 47%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sheakleyville is 64% single-family homes and 17% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 40% of owner-occupied homes in Sheakleyville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Sheakleyville are owner-occupied.
In Sheakleyville, 78% of homes are primarily heated with natural gas.
FEMA rates Mercer County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Mercer County had 86 active NFIP flood policies as of September 2026. See the full Mercer County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $86,700 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Mercer County | 86 |
| 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)