Marina Hall Richersen, 43, an insurance program specialist with the Department of Housing and Urban Development, died Friday at George Washington University Hospital after a heart attack.

Mrs. Richersen began her government career in 1956 as a clerk with the Patent Office. After that, she worked for a number of government agencies, including the Federal Aviation Administration and the Commerce Department.

She joined HUD as a housing appraiser, a post she held until undergoing a heart surgery six years ago. Since that time, she had worked as an insurance program specialist.

Mrs. Richersen was named "Mother of the Year" by St. Joseph's College in Indiana in 1978. Her daughter, Arnesa Marina Hall, was in that year's graduating class. The award was in recognition of Mrs. Richersen's continuing to work even though she had a heart ailment so that her children could go to college.

She helped organize and was first president of La Zodiac Civic and Social Club and was a member of The Apostolate of St. Jude's Society.

She was a member of Trinity Episcopal Church in Washington.

Mrs. Richersen was a native of Washington and a 1953 graduate of Cardoza High School. She also attended the University of Northern Colorado.

Her first marriage ended in divorce.

In addition to her daughter, she is survived by her husband, James Burton Richersen, two other daughters, Beverly Regina Hall and Gina Richersen Reeves, and a son, Derek Richersen, all of the home in Silver Spring; her mother, Lillian Boozer Young; and Frank Young, all of Washington; and two sisters, Shirley Khatin, of West Hyattsville, and Vivian Sills, ofWahington CAPTION: Picture, MARINA HALL RICHERSEN