Home Insurance in Dudley, Pennsylvania
The median home value in Dudley is $83,500, 54% lower than the Huntingdon County median.
The typical home in Dudley was built around 1944. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 71% of homes were built before 1960, about 32 points above Huntingdon County's 39%.
The housing stock in Dudley is 88% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Dudley, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Dudley has an owner-occupancy rate of 75% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Dudley - 70% - are primarily heated with fuel oil. Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Huntingdon County's overall risk as Relatively Low, led by strong wind (Relatively High). Huntingdon County had 263 active NFIP flood policies as of September 2026. See the full Huntingdon County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $83,500 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Huntingdon County | 263 |
| 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)