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Flood insurance cost · Berks County, PA

Flood insurance cost in Berks County, Pennsylvania

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 656 home policies in force on August 31, 2026.

Berks County, PennsylvaniaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,204a year

Half of insured homes paid between $807 and $1,770. That is 2% less than the Pennsylvania median ($1,232). Most insured homes here are rated in zone AE (60%).

$0$807 · $1,204 · $1,770$2,212
+8.5% vs Aug 31, 2025 (median $1,110)
656home policies in force
$1,488average cost (mean)
71%of insured homes in high-risk zones (A, V)
$200,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Berks County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$1,417$924–$1,987$1,677393 (60%)+5.7%
Zone A
High risk		$1,351$1,026–$1,906$1,72775 (11%)+2.2%
Zone X
Moderate to low risk		$943$633–$1,208$1,000187 (29%)+8.5%

Not shown (fewer than 10 home policies): VE, AO, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Berks County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home606$1,201$1,482
2–4 unit building35$1,396$1,579
Manufactured (mobile) home11$1,538$1,874
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		20$1,852$3,089
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		168$2,323$3,579

Not shown (fewer than 10 policies): condo or apartment unit.

844NFIP policies in force, any building
859insured units (condo association policies count every unit)
63%of home policies also cover contents
$75,000median contents coverage, when bought

One year on: Berks County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force684656−4.1%
Median annual cost$1,110$1,204+8.5%
Average annual cost$1,375$1,488+8.2%
All policies in force (any building)873844−3.3%

How many homes have flood insurance?

0.5%of all homes in Berks County have an NFIP policy
33.6%of homes in high-risk zones (special flood hazard area) have one
141,142residential buildings counted by FEMA
1,445of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Berks County, Pennsylvania have filed 1,317 flood claims. 1,046 received a payment, for a total of $23.6 million (an average of $22,532 per paid claim). The year with the most claims was 2006 (182 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001978: 53 claims, 41 paid, $131,985 in total1979: 151 claims, 132 paid, $443,301 in total197919801982: 21 claims, 16 paid, $27,450 in total1983: 45 claims, 40 paid, $60,806 in total1984: 23 claims, 22 paid, $310,933 in total1985: 10 claims1987: 74 claims, 44 paid, $451,568 in total1989: 18 claims, 14 paid, $34,451 in total19901993: 12 claims1994: 20 claims, 11 paid, $52,888 in total1996: 67 claims, 54 paid, $414,781 in total1999: 48 claims, 33 paid, $296,917 in total2000: 10 claims20002001: 31 claims, 20 paid, $119,909 in total2003: 22 claims, 14 paid, $184,851 in total2004: 27 claims, 20 paid, $214,698 in total2005: 41 claims, 34 paid, $697,572 in total2006: 182 claims, 171 paid, $8,853,242 in total200620102011: 93 claims, 78 paid, $1,699,347 in total2018: 40 claims, 35 paid, $407,308 in total2019: 27 claims, 18 paid, $926,521 in total2020: 96 claims, 72 paid, $2,134,140 in total202020202021: 38 claims, 33 paid, $595,454 in total2023: 93 claims, 82 paid, $4,033,316 in total2025: 10 claims
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (25)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202510<10––
20239382$4,033,316$49,187
20213833$595,454$18,044
20209672$2,134,140$29,641
20192718$926,521$51,473
20184035$407,308$11,637
20119378$1,699,347$21,786
2006182171$8,853,242$51,773
20054134$697,572$20,517
20042720$214,698$10,735
20032214$184,851$13,204
20013120$119,909$5,995
200010<10––
19994833$296,917$8,997
19966754$414,781$7,681
19942011$52,888$4,808
199312<10––
19891814$34,451$2,461
19877444$451,568$10,263
198510<10––
19842322$310,933$14,133
19834540$60,806$1,520
19822116$27,450$1,716
1979151132$443,301$3,358
19785341$131,985$3,219

From 2016 to 2026: 304 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Main NFIP communities in the county

Muhlenberg (70 home policies) · Exeter (65 home policies) · Hamburg Borough Of (44 home policies) · Robeson (30 home policies) · Douglass (23 home policies) · Oley (22 home policies)