Home Insurance in Middleburg, Pennsylvania
With a median home value of $163,700, Middleburg is 24% lower than the Snyder County median.
The typical home in Middleburg was built around 1955. About 55% of homes were built before 1960, about 18 points above Snyder County's 37%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Middleburg is 69% single-family homes and 12% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 62% of owner-occupied homes in Middleburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Middleburg has an owner-occupancy rate of 52% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 50% of homes in Middleburg are primarily heated with fuel oil.
FEMA rates Snyder County's overall risk as Relatively Low, led by winter weather (Relatively Moderate). Snyder County had 215 active NFIP flood policies as of September 2026. See the full Snyder 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 | $163,700 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Snyder County | 215 |
| 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)