Home Insurance in Clearview, West Virginia
The median home value in Clearview is $211,600, 27% higher than the Ohio County median.
The typical home in Clearview was built around 1957. About 57% of homes were built before 1960, about 2 points above Ohio County's 55%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Clearview is 100% single-family homes.
About 52% of owner-occupied homes in Clearview have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 98% of occupied homes in Clearview are owner-occupied.
Most homes in Clearview - 70% - are primarily heated with natural gas.
FEMA rates Ohio County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Ohio County had 421 active NFIP flood policies as of September 2026. See the full Ohio 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 | $211,600 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Ohio County | 421 |
| 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)