Home Insurance in Kutztown, Pennsylvania
With a median home value of $263,100, Kutztown is close to the Berks County median.
The typical home in Kutztown was built around 1962. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 45% of homes were built before 1960, about 2 points above Berks County's 43%.
The housing stock in Kutztown is 60% single-family homes and 21% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
57% of owner-occupied homes in Kutztown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 49% of occupied homes in Kutztown are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Kutztown, 44% of homes are primarily heated with electricity.
FEMA rates Berks County's overall risk as Relatively Moderate, led by winter weather (Very High). 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 | $263,100 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)