Home Insurance in Dushore, Pennsylvania
Homes in Dushore carry a median value of $127,100 - 36% lower than the Sullivan County median.
The typical home in Dushore was built around 1960. About 50% of homes were built before 1960, about 11 points above Sullivan County's 39%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Dushore is 58% single-family homes, 17% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Dushore, about 33% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Dushore are owner-occupied.
47% of homes in Dushore are primarily heated with fuel oil. Homes heated with propane and 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 Dushore? FEMA's National Risk Index points to hurricane (Relatively Low) in Sullivan County and Sullivan County had 60 active NFIP flood policies as of September 2026. See the full Sullivan 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 | $127,100 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Sullivan County | 60 |
| 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)