Home Insurance in Harrisville, Pennsylvania
Homes in Harrisville carry a median value of $162,000 - 45% lower than the Butler County median.
The typical home in Harrisville was built around 1956. About 61% of homes were built before 1960, about 31 points above Butler County's 30%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Harrisville is 77% single-family homes, 2% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
51% of owner-occupied homes in Harrisville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Harrisville has an owner-occupancy rate of 74% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 78% of homes in Harrisville 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.
In Pennsylvania, the statewide average premium for a standard HO-3 homeowners policy is $1,217 per year (NAIC, 2023 data).
Key figures
| Median home value | $162,000 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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
- Grove City
- Barkeyville
- Slippery Rock
- Clintonville
- West Liberty
- West Sunbury
- Cherry Valley
- Eau Claire
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)