Home Insurance in Topton, Pennsylvania
The median home value in Topton is $216,400, 16% lower than the Berks County median.
The median home in Topton was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 64% of homes were built before 1960, about 21 points above Berks County's 43%.
Housing in Topton breaks down to 78% single-family homes and 13% apartments in buildings with 5+ units.
In Topton, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Topton has an owner-occupancy rate of 72% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
37% of homes in Topton 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 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.
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 | $216,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)