Home Insurance in Liverpool, Pennsylvania
Homes in Liverpool carry a median value of $197,500 - 16% lower than the Perry County median.
The typical home in Liverpool was built around 1974. About 41% of homes were built before 1960, about 8 points above Perry County's 33%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Liverpool is 69% single-family homes, 18% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 77% of owner-occupied homes in Liverpool have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Liverpool has an owner-occupancy rate of 55% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Liverpool - 53% - are primarily heated with electricity. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Perry County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. 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 | $197,500 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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)