Do I Need to Upgrade or Replace My Electrical Panel? (Electrician Explains)
By: Matt Pinkston - Master Electrician | November 20, 2025 | (Updated November 2025)

Many homeowners aren’t sure when their panel is outdated or unsafe. As electricians serving Evansville for over 30 years, we upgrade panels often — and upgrading at the right time can protect your home, wiring, and appliances.
What Does an Electrical Panel Do? (Quick Explanation)
- Distributes power throughout your home
- Protects circuits with breakers
- Ensures safe voltage & grounding
If it fails → tripped breakers, overheating wires, electrical fires.
*Think of your panel like the heart of your electrical system.
Signs You Need An Electrical Panel Upgrade
Breaker Problems
- Breakers trip frequently
- Breakers fail to reset
- Buzzing or crackling noises
Age or Outdated Equipment
- Home built before 1990
- 60-amp or 100-amp service
- Fuse panel (no breakers)
Visible Damage
- Rust, corrosion, water staining
- Melted or overheated spots
- Loose wires or burning smell
Evansville Note: Many older homes in Vanderburgh County neighborhoods like Jacobsville, Haynie’s Corner, and the East Side still have original outdated panels.
When Panel Replacement Is Required (Not Just an Upgrade)
Replace vs Upgrade:
| Replace If... | Upgrade If... |
|---|---|
| Rust/Water Damage | Adding Large Appliance |
| Melted Or Burnt Bus | Installing EV Charger |
| Federal Pacific/Zinsco/Fuses | Planning Solar/Generator |
| Real Estate/Insurance Failed | Adding Hot Tub/Pool |
| Adding Standby Power or Generator Install |
Severe rust or moisture damage can compromise connections. Learn more about Corroded Electrical Panel Risks here.
How Much Does an Electrical Panel Replacement Cost?
Typical Ranges:
| Panel Size | Average Cost |
|---|---|
| 100A Panel Replacement | $650 – $950 |
| 200A Panel Replacement | $1,000 – $1,500 |
Tip: Insurance companies increasingly require panel inspections or replacement before renewal.
Why You Shouldn’t DIY a Panel Replacement
- Requires licensed electrician
- Permits & inspection required in Evansville
- Panel work involves live mains — extreme shock/fire risk
DIY-safe prep tasks: Label circuits, clear access space, check load needs.
How Long Does a Panel Upgrade Take?
| Task | Time |
|---|---|
| Permits (Evansville) | 1 Day |
| Upgrade Work | 4-8 Hours |
| Inspection | Same Day or Next Day |
Most jobs are completed in one day.
Schedule Electrical Panel Inspection
FAQs — Panel Upgrade Questions Answered
Is a 100-amp panel enough? It depends.
For many homes with typical electrical needs, a well-maintained 100-amp service can be completely adequate.
However, homes adding higher-demand loads — like EV chargers, hot tubs, room additions, or HVAC upgrades — may benefit from upgrading to 200-amp service for more capacity and long-term flexibility.
The best way to know is with a professional load calculation — we can evaluate your home’s current usage and future plans to determine whether a panel upgrade makes sense.
Do I need a panel upgrade for an EV charger?
Often yes —
EV Charging adds a major load.
What panels are unsafe?
Federal Pacific, Zinsco, fuses and damaged/rusted panels.
Will a panel upgrade increase home value?
Yes — buyers and insurers prefer modern systems.
Schedule a Panel Evaluation in Evansville, IN
If you're not sure whether you need an electrical panel upgrade or replacement, we can help.
Bright Electric – Evansville, IN
- 30+ years of service
- Master electricians
- Permits + inspection coordination included (Evansville/County)
- Transparent pricing
⭐⭐⭐⭐⭐ 5-Star Evansville Local Reviews
Free Quote & panel evaluation available.
Written & Reviewed by:
Matt Pinkston — Master Electrician (Vanderburgh County License #29714)
Operations Manager at Bright Electric
27+ years of electrical experience in Evansville and the Tri-State area.
Specializes in residential and commercial electrical work, NEC code compliance, and modern electrical safety standards.













