Home Insurance in Alburtis, Pennsylvania
The median home value in Alburtis is $267,700, 11% lower than the Lehigh County median.
The typical home in Alburtis was built around 1989. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 28% of homes were built before 1960, about 13 points below Lehigh County's 41%.
Housing in Alburtis breaks down to 92% single-family homes, 3% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Alburtis, about 81% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 76% of occupied homes in Alburtis 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 propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Alburtis, 56% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Alburtis? FEMA's National Risk Index points to winter weather (Very High) in Lehigh County and Lehigh County had 553 active NFIP flood policies as of September 2026. See the full Lehigh 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 | $267,700 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 81% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Lehigh County | 553 |
| 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)