Home Insurance in Burnham, Pennsylvania
With a median home value of $141,200, Burnham is 10% lower than the Mifflin County median.
The typical home in Burnham was built around 1952. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 66% of homes were built before 1960, about 15 points above Mifflin County's 50%.
In Burnham, the housing stock is 80% single-family homes, 3% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Burnham, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 74% of occupied homes in Burnham are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
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. In Burnham, 54% of homes are primarily heated with fuel oil.
FEMA rates Mifflin County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Mifflin County had 236 active NFIP flood policies as of September 2026. See the full Mifflin County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $141,200 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Mifflin County | 236 |
| 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)