Home Insurance in St. Lawrence, Pennsylvania
The median home value in St. Lawrence is $228,100, 11% lower than the Berks County median.
The typical home in St. Lawrence was built around 1968. About 39% of homes were built before 1960, about 4 points below Berks County's 43%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in St. Lawrence is 82% single-family homes and 13% apartments in buildings with 5+ units.
About 72% of owner-occupied homes in St. Lawrence have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 77% of occupied homes in St. Lawrence are owner-occupied. The vacancy rate is 3%; 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. 57% of homes in St. Lawrence are primarily heated with natural gas.
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.
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 | $228,100 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)