Home Insurance in Delbarton, West Virginia
The median home value in Delbarton is $85,000, 6% lower than the Mingo County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Delbarton was built around 1987. About 11% of homes were built before 1960, about 9 points below Mingo County's 20%.
In Delbarton, the housing stock is 63% single-family homes, 1% apartments in buildings with 5+ units and 32% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Delbarton, about 23% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 36%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 94% of occupied homes in Delbarton are owner-occupied.
95% of homes in Delbarton are primarily heated with electricity.
What's the biggest home insurance risk near Delbarton? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Mingo County and Mingo County had 256 active NFIP flood policies as of September 2026. See the full Mingo 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 | $85,000 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 23% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Mingo County | 256 |
| 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)