Home Insurance in Bramwell, West Virginia
With a median home value of $93,000, Bramwell is 24% lower than the Mercer County median.
The median home in Bramwell was built in 1939 or earlier. About 88% of homes were built before 1960, about 56 points above Mercer County's 32%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Bramwell, the housing stock is 100% single-family homes.
In Bramwell, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 93% of occupied homes in Bramwell are owner-occupied. The vacancy rate is 56%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Bramwell, 49% of homes are primarily heated with fuel oil. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Mercer County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Mercer County had 152 active NFIP flood policies as of September 2026. See the full Mercer 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 | $93,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Mercer County | 152 |
| 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)