Home Insurance in Mars, Pennsylvania
Homes in Mars carry a median value of $294,100 - close to the Butler County median.
The typical home in Mars was built around 1968. About 38% of homes were built before 1960, about 9 points above Butler County's 30%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Mars breaks down to 54% single-family homes and 34% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 53% of owner-occupied homes in Mars have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Mars has an owner-occupancy rate of 56% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Mars - 69% - 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 | $294,100 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)