Home Insurance in Centerport, Pennsylvania
The median home value in Centerport is $278,600, 8% higher than the Berks County median.
The median home in Centerport was built in 1939 or earlier. About 62% of homes were built before 1960, about 20 points above Berks County's 43%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Centerport breaks down to 65% single-family homes and 22% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Centerport, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 52% of occupied homes in Centerport are owner-occupied.
47% of homes in Centerport 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.
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 | $278,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)