Home Insurance in Blain, Pennsylvania
With a median home value of $170,000, Blain is 28% lower than the Perry County median.
The median home in Blain was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 77% of homes were built before 1960, about 44 points above Perry County's 33%.
In Blain, the housing stock is 97% single-family homes.
57% of owner-occupied homes in Blain carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Blain has an owner-occupancy rate of 65% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
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. 43% of homes in Blain are primarily heated with fuel oil.
FEMA rates Perry County's overall risk as Relatively Low, led by winter weather (Relatively Moderate). Perry County had 199 active NFIP flood policies as of September 2026. See the full Perry County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Pennsylvania, the statewide average premium for a standard HO-3 homeowners policy is $1,217 per year (NAIC, 2023 data).
Key figures
| Median home value | $170,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Perry County | 199 |
| 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)