Home Insurance in Marion Heights, Pennsylvania
The median home value in Marion Heights is $89,800, 45% lower than the Northumberland County median.
The median home in Marion Heights was built in 1939 or earlier. About 79% of homes were built before 1960, about 24 points above Northumberland County's 55%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Marion Heights is 91% single-family homes and 2% mobile or manufactured homes.
About 37% of owner-occupied homes in Marion Heights have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Marion Heights has an owner-occupancy rate of 77% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
In Marion Heights, 75% of homes are primarily heated with fuel oil. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Northumberland County's overall risk as Relatively Low, led by winter weather (Relatively High). Northumberland County had 489 active NFIP flood policies as of September 2026. See the full Northumberland County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $89,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Northumberland County | 489 |
| 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)