Home Insurance in Granville, West Virginia
The median home value in Granville is $138,300, 48% lower than the Monongalia County median.
The typical home in Granville was built around 1996. About 32% of homes were built before 1960, about 9 points above Monongalia County's 22%. 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 Granville is 31% single-family homes, 43% apartments in buildings with 5+ units and 10% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 38% of owner-occupied homes in Granville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 40% of occupied homes in Granville are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Granville - 56% - are primarily heated with electricity.
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.
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 | $138,300 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)