Home Insurance in Millerstown, Pennsylvania
Homes in Millerstown carry a median value of $200,800 - 15% lower than the Perry County median.
The typical home in Millerstown was built around 1948. About 58% of homes were built before 1960, about 25 points above Perry County's 33%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Millerstown is 87% single-family homes. The rest are 2-4 unit or other housing types.
In Millerstown, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Millerstown are owner-occupied.
In Millerstown, 52% of homes are primarily heated with fuel oil. Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $200,800 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)