Home Insurance in Wyomissing, Pennsylvania
With a median home value of $339,900, Wyomissing is 32% higher than the Berks County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Wyomissing was built around 1971. About 38% of homes were built before 1960, about 4 points below Berks County's 43%.
In Wyomissing, the housing stock is 65% single-family homes and 28% apartments in buildings with 5+ units.
About 57% of owner-occupied homes in Wyomissing have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 68% of occupied homes in Wyomissing are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Wyomissing - 65% - 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.
What's the biggest home insurance risk near Wyomissing? FEMA's National Risk Index points to winter weather (Very High) in Berks County and 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 | $339,900 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 68% |
| 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)