Home Insurance in Davy, West Virginia
Homes in Davy carry a median value of $30,800 - 38% lower than the McDowell County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Davy was built around 1958. About 51% of homes were built before 1960, about 1 point below McDowell County's 52%.
The housing stock in Davy is 65% single-family homes and 35% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 8% of owner-occupied homes in Davy have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 92% of occupied homes in Davy are owner-occupied. The vacancy rate is 40%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Davy, 89% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Davy? 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.
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 | $30,800 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 8% |
| 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)