Home Insurance in DuBois, Pennsylvania
The median home value in DuBois is $123,600, 10% lower than the Clearfield County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in DuBois was built around 1948. About 67% of homes were built before 1960, about 24 points above Clearfield County's 43%.
The housing stock in DuBois is 69% single-family homes and 14% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
47% of owner-occupied homes in DuBois carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in DuBois are owner-occupied.
In DuBois, 87% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near DuBois? FEMA's National Risk Index points to winter weather (Relatively High) in Clearfield County and Clearfield County had 251 active NFIP flood policies as of September 2026. See the full Clearfield County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Pennsylvania is $1,217 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $123,600 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Clearfield County | 251 |
| 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)