Home Insurance in Grantsville, West Virginia
Homes in Grantsville carry a median value of $55,800 - 44% lower than the Calhoun County median.
The typical home in Grantsville was built around 1960. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 51% of homes were built before 1960, about 17 points above Calhoun County's 35%.
In Grantsville, the housing stock is 72% single-family homes, 5% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
41% of owner-occupied homes in Grantsville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 39%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Grantsville are owner-occupied.
Most homes in Grantsville - 81% - are primarily heated with natural gas.
FEMA rates Calhoun County's overall risk as Very Low, led by inland flooding (Relatively Low). Calhoun County had 33 active NFIP flood policies as of September 2026. See the full Calhoun County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in West Virginia is $1,179 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $55,800 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Calhoun County | 33 |
| 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)