Home Insurance in Danville, West Virginia
Homes in Danville carry a median value of $91,900 - close to the Boone County median.
The typical home in Danville was built around 1979. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 18% of homes were built before 1960, about 12 points below Boone County's 30%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Danville is 36% single-family homes, 28% apartments in buildings with 5+ units and 29% mobile or manufactured homes.
40% of owner-occupied homes in Danville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 46% of occupied homes in Danville are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Danville - 85% - are primarily heated with electricity.
What's the biggest home insurance risk near Danville? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Boone County and Boone County had 170 active NFIP flood policies as of September 2026. See the full Boone County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in West Virginia carries a statewide average premium of $1,179 per year.
Key figures
| Median home value | $91,900 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Boone County | 170 |
| Home insurance premium | $1,179 - 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)