Home Insurance in Butler County, Pennsylvania
The median home value in Butler County is $294,200, 16% higher than the Pennsylvania median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Butler County was built around 1980. About 30% of homes were built before 1960, about 15 points below Pennsylvania's 45%.
The housing stock in Butler County is 78% single-family homes, 10% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Butler County, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Butler County are owner-occupied.
Most homes in Butler County - 68% - 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.
FEMA's National Risk Index lists inland flooding (Relatively Moderate), strong wind (Relatively Moderate) and winter weather (Relatively Moderate) as the leading hazards for Butler County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Butler County has 385 active NFIP flood policies on file.
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 | $294,200 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Strong Wind (Relatively Moderate), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 385 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
- Bruin
- Butler
- Callery
- Cherry Valley
- Chicora
- Connoquenessing
- East Butler
- Eau Claire
- Evans City
- Harmony
- Harrisville
- Karns City
- Mars
- Petrolia
- Prospect
- Saxonburg
- Seven Fields
- Slippery Rock
- Valencia
- West Liberty
- West Sunbury
- Zelienople
Smaller communities
-
Fairview
- Median home value: $131,300
- Median year built: 1960
- Owner-occupied share: 86%
-
Portersville
- Median home value: $211,100
- Median year built: 1956
- Owner-occupied share: 71%
Sources
- 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)