Home Insurance in Minersville, Pennsylvania
Homes in Minersville carry a median value of $82,300 - 46% lower than the Schuylkill County median.
The median home in Minersville was built in 1939 or earlier. About 69% of homes were built before 1960, about 8 points above Schuylkill County's 61%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Minersville breaks down to 75% single-family homes, 13% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 26% of owner-occupied homes in Minersville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 49% of occupied homes in Minersville are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
47% of homes in Minersville are primarily heated with fuel oil. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Schuylkill County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Schuylkill County had 694 active NFIP flood policies as of September 2026. See the full Schuylkill 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 | $82,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Schuylkill County | 694 |
| 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)