Home Insurance in Barboursville, West Virginia
With a median home value of $197,700, Barboursville is 20% higher than the Cabell County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Barboursville was built around 1974. About 22% of homes were built before 1960, about 14 points below Cabell County's 36%.
The housing stock in Barboursville is 67% single-family homes, 22% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Barboursville, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Barboursville are owner-occupied.
49% of homes in Barboursville are primarily heated with electricity.
What's the biggest home insurance risk near Barboursville? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Cabell County and Cabell County had 336 active NFIP flood policies as of September 2026. See the full Cabell County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
In West Virginia, the statewide average premium for a standard HO-3 homeowners policy is $1,179 per year (NAIC, 2023 data).
Key figures
| Median home value | $197,700 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Cabell County | 336 |
| 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)