Home Insurance in Robesonia, Pennsylvania
Homes in Robesonia carry a median value of $226,000 - 12% lower than the Berks County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Robesonia was built around 1955. About 55% of homes were built before 1960, about 12 points above Berks County's 43%.
Housing in Robesonia breaks down to 83% single-family homes and 7% apartments in buildings with 5+ units.
About 55% of owner-occupied homes in Robesonia have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Robesonia has an owner-occupancy rate of 75% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 46% of homes in Robesonia are primarily heated with electricity.
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.
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 | $226,000 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)