Home Insurance in Gilberton, Pennsylvania
Homes in Gilberton carry a median value of $43,600 - 72% lower than the Schuylkill County median.
The median home in Gilberton was built in 1939 or earlier. About 84% of homes were built before 1960, about 23 points above Schuylkill County's 61%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Gilberton is 88% single-family homes and 12% mobile or manufactured homes.
16% of owner-occupied homes in Gilberton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Gilberton has an owner-occupancy rate of 82% and a vacancy rate of 33%; unoccupied homes typically need a different coverage form.
In Gilberton, 59% of homes are primarily heated with fuel oil. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Schuylkill County had 694 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Schuylkill 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 | $43,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 16% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Schuylkill County | 694 |
| 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)