Home Insurance in Kenhorst, Pennsylvania
The median home value in Kenhorst is $195,900, 24% lower than the Berks County median.
The typical home in Kenhorst was built around 1954. About 59% of homes were built before 1960, about 16 points above Berks County's 43%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Kenhorst, the housing stock is 92% single-family homes and 2% apartments in buildings with 5+ units.
About 73% of owner-occupied homes in Kenhorst have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 78% of occupied homes in Kenhorst are owner-occupied.
Most homes in Kenhorst - 61% - are primarily heated with natural gas. 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.
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 | $195,900 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 78% |
| 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)