Home Insurance in Sullivan County, Pennsylvania
Homes in Sullivan County carry a median value of $197,100 - 23% lower than the Pennsylvania median.
The typical home in Sullivan County was built around 1973. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 39% of homes were built before 1960, about 6 points below Pennsylvania's 45%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sullivan County is 88% single-family homes, 2% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
In Sullivan County, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 85% of occupied homes in Sullivan County are owner-occupied. The vacancy rate is 54%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
44% of homes in Sullivan County are primarily heated with fuel oil. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Sullivan County, per FEMA's National Risk Index, are hurricane (Relatively Low), inland flooding (Relatively Low) and winter weather (Relatively Low).
As of September 2026, Sullivan County has 60 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $197,100 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Inland Flooding (Relatively Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 60 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)