Home Insurance in Pottsville, Pennsylvania
Homes in Pottsville carry a median value of $100,500 - 34% lower than the Schuylkill County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Pottsville was built in 1939 or earlier. About 74% of homes were built before 1960, about 13 points above Schuylkill County's 61%.
Housing in Pottsville breaks down to 70% single-family homes and 15% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 49% of owner-occupied homes in Pottsville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Pottsville has an owner-occupancy rate of 57% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
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 Pottsville, 33% of homes are primarily heated with natural gas.
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.
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 | $100,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)