Home Insurance in Valencia, Pennsylvania
With a median home value of $228,000, Valencia is 23% lower than the Butler County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Valencia was built around 1997. About 22% of homes were built before 1960, about 7 points below Butler County's 30%.
In Valencia, the housing stock is 67% single-family homes, 22% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
38% of owner-occupied homes in Valencia carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 30% of occupied homes in Valencia are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Valencia - 79% - 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.
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 | $228,000 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 30% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)