Home Insurance in Evans City, Pennsylvania
Homes in Evans City carry a median value of $221,400 - 25% lower than the Butler County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Evans City was built around 1952. About 66% of homes were built before 1960, about 36 points above Butler County's 30%.
The housing stock in Evans City is 76% single-family homes, 11% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
65% of owner-occupied homes in Evans City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 68% of occupied homes in Evans City are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Evans City, 80% of homes are primarily heated with natural gas.
FEMA rates Butler County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). 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.
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 | $221,400 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 68% |
| 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)