Home Insurance in Grant Town, West Virginia
Homes in Grant Town carry a median value of $105,000 - 37% lower than the Marion County median.
The median home in Grant Town was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 79% of homes were built before 1960, about 30 points above Marion County's 49%.
In Grant Town, the housing stock is 89% single-family homes, 2% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Grant Town, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Grant Town has an owner-occupancy rate of 91% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Grant Town - 90% - are primarily heated with natural gas.
What's the biggest home insurance risk near Grant Town? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Marion County and Marion County had 154 active NFIP flood policies as of September 2026. See the full Marion 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 | $105,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Marion County | 154 |
| 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)