Home Insurance in Callery, Pennsylvania
The median home value in Callery is $190,000, 35% lower than the Butler County median.
The typical home in Callery was built around 1961. About 49% of homes were built before 1960, about 19 points above Butler County's 30%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Callery is 90% single-family homes and 5% mobile or manufactured homes.
62% of owner-occupied homes in Callery carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 89% of occupied homes in Callery are owner-occupied.
80% of homes in Callery are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Callery? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Butler County and Butler County had 385 active NFIP flood policies as of September 2026. 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 | $190,000 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)