Home Insurance in Duboistown, Pennsylvania
The median home value in Duboistown is $194,800, close to the Lycoming County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Duboistown was built around 1951. About 70% of homes were built before 1960, about 23 points above Lycoming County's 48%.
Housing in Duboistown breaks down to 95% single-family homes and 1% apartments in buildings with 5+ units.
In Duboistown, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Duboistown are owner-occupied.
74% of homes in Duboistown are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Duboistown? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Lycoming County and Lycoming County had 724 active NFIP flood policies as of September 2026. See the full Lycoming County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $194,800 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Lycoming County | 724 |
| 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)