Home Insurance in Bechtelsville, Pennsylvania
The median home value in Bechtelsville is $242,000, 6% lower than the Berks County median.
The typical home in Bechtelsville was built around 1956. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 54% of homes were built before 1960, about 12 points above Berks County's 43%.
In Bechtelsville, the housing stock is 76% single-family homes and 10% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
73% of owner-occupied homes in Bechtelsville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 71% of occupied homes in Bechtelsville are owner-occupied.
45% of homes in Bechtelsville are primarily heated with fuel oil. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Berks County had 856 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full Berks County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Pennsylvania is $1,217 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $242,000 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Berks County | 856 |
| 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)