Home Insurance in Whitesville, West Virginia
Homes in Whitesville carry a median value of $96,700 - close to the Boone County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Whitesville was built around 1953. About 59% of homes were built before 1960, about 29 points above 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 Whitesville is 48% single-family homes, 19% apartments in buildings with 5+ units and 15% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 41% of owner-occupied homes in Whitesville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Whitesville has an owner-occupancy rate of 64% and a vacancy rate of 53%; unoccupied homes typically need a different coverage form.
Most homes in Whitesville - 57% - are primarily heated with electricity.
FEMA rates Boone County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). 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 | $96,700 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)