Home Insurance in Blacksville, West Virginia
With a median home value of $95,600, Blacksville is 64% lower than the Monongalia County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Blacksville was built around 1958. About 53% of homes were built before 1960, about 31 points above Monongalia County's 22%.
In Blacksville, the housing stock is 65% single-family homes, 16% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
9% of owner-occupied homes in Blacksville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 82% of occupied homes in Blacksville are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Blacksville, 46% of homes are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Monongalia County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Monongalia County had 161 active NFIP flood policies as of September 2026. See the full Monongalia 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 | $95,600 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 9% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Monongalia County | 161 |
| 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)