Home Insurance in Petrolia, Pennsylvania
With a median home value of $95,000, Petrolia is 68% lower than the Butler County median.
The typical home in Petrolia was built around 1952. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 60% of homes were built before 1960, about 30 points above Butler County's 30%.
In Petrolia, the housing stock is 94% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 42% of owner-occupied homes in Petrolia have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Petrolia are owner-occupied.
Most homes in Petrolia - 94% - are primarily heated with natural gas.
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.
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 | $95,000 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)