Home Insurance in Boyertown, Pennsylvania
Homes in Boyertown carry a median value of $212,600 - 17% lower than the Berks County median.
The typical home in Boyertown was built around 1946. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 57% of homes were built before 1960, about 15 points above Berks County's 43%.
In Boyertown, the housing stock is 49% single-family homes, 26% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Boyertown, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 41% of occupied homes in Boyertown are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
36% of homes in Boyertown are primarily heated with electricity. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Berks County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. Berks County had 856 active NFIP flood policies as of September 2026. See the full Berks County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Pennsylvania, the statewide average premium for a standard HO-3 homeowners policy is $1,217 per year (NAIC, 2023 data).
Key figures
| Median home value | $212,600 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 41% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)