Home Insurance in Cherry Valley, Pennsylvania
With a median home value of $200,000, Cherry Valley is 32% lower than the Butler County median.
The typical home in Cherry Valley was built around 1957. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 59% of homes were built before 1960, about 29 points above Butler County's 30%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cherry Valley is 90% single-family homes and 10% mobile or manufactured homes.
44% of owner-occupied homes in Cherry Valley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 53% of occupied homes in Cherry Valley are owner-occupied. The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Cherry Valley, 67% of homes are primarily heated with fuel oil.
Butler County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. 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 | $200,000 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)