Home Insurance in Eagles Mere, Pennsylvania
Homes in Eagles Mere carry a median value of $483,300 - 145% higher than the Sullivan County median.
The typical home in Eagles Mere was built around 1966. About 46% of homes were built before 1960, about 7 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 Eagles Mere is 98% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 55% of owner-occupied homes in Eagles Mere have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 86%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 96% of occupied homes in Eagles Mere are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Eagles Mere, 44% of homes are primarily heated with electricity.
Sullivan County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. 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 | $483,300 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)