Home Insurance in Butler, Pennsylvania
The median home value in Butler is $108,100, 63% lower than the Butler County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Butler was built in 1939 or earlier. About 74% of homes were built before 1960, about 44 points above Butler County's 30%.
In Butler, the housing stock is 56% single-family homes and 18% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 65% of owner-occupied homes in Butler have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 46% of occupied homes in Butler are owner-occupied.
In Butler, 81% of homes are primarily heated with natural gas.
Butler County had 385 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). See the full Butler County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Pennsylvania is $1,217 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $108,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Butler County | 385 |
| 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)