Home Insurance in Kistler, Pennsylvania
Homes in Kistler carry a median value of $98,000 - 37% lower than the Mifflin County median.
The typical home in Kistler was built around 1942. About 73% of homes were built before 1960, about 22 points above Mifflin County's 50%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kistler is 93% single-family homes, 1% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
In Kistler, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Kistler has an owner-occupancy rate of 78% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Kistler - 63% - are primarily heated with fuel oil.
What's the biggest home insurance risk near Kistler? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Mifflin County and 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.
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 | $98,000 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)