Home Insurance in Marysville, Pennsylvania
The median home value in Marysville is $184,300, 22% lower than the Perry County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Marysville was built around 1955. About 55% of homes were built before 1960, about 23 points above Perry County's 33%.
In Marysville, the housing stock is 79% single-family homes, 8% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 71% of owner-occupied homes in Marysville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 83% of occupied homes in Marysville are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 43% of homes in Marysville are primarily heated with fuel oil.
What's the biggest home insurance risk near Marysville? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Perry County and 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.
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 | $184,300 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)