Home Insurance in Bradshaw, West Virginia
The median home value in Bradshaw is $54,600, 9% higher than the McDowell County median.
The typical home in Bradshaw was built around 1942. About 71% of homes were built before 1960, about 19 points above McDowell County's 52%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bradshaw is 77% single-family homes and 13% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Bradshaw, about 10% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 59% of occupied homes in Bradshaw are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Bradshaw, 93% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Bradshaw? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in McDowell County and McDowell County had 149 active NFIP flood policies as of September 2026. See the full McDowell 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 | $54,600 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 10% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in McDowell County | 149 |
| 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)