Home Insurance in Bolivar, West Virginia
With a median home value of $251,600, Bolivar is 28% lower than the Jefferson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bolivar was built around 1977. About 30% of homes were built before 1960, about 16 points above Jefferson County's 14%.
The housing stock in Bolivar is 82% single-family homes and 9% apartments in buildings with 5+ units.
In Bolivar, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 57% of occupied homes in Bolivar are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Bolivar, 83% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Bolivar? FEMA's National Risk Index points to hurricane (Relatively Low) in Jefferson County and Jefferson County had 182 active NFIP flood policies as of September 2026. See the full Jefferson 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 West Virginia is $1,179 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $251,600 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Jefferson County | 182 |
| Home insurance premium | $1,179 - statewide average (NAIC, 2023 data) |
Nearby towns
- Harpers Ferry
- Ranson
- Shepherdstown
- Charles Town
- Martinsburg
- Hedgesville
- Bath (Berkeley Springs)
- Capon Bridge
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)