Home Insurance in Belmont, West Virginia
The median home value in Belmont is $152,000, close to the Pleasants County median.
The typical home in Belmont was built around 1973. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 21% of homes were built before 1960, about 10 points below Pleasants County's 31%.
In Belmont, the housing stock is 63% single-family homes, 21% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
47% of owner-occupied homes in Belmont carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Belmont has an owner-occupancy rate of 72% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Belmont, 58% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Belmont? FEMA's National Risk Index points to inland flooding (Relatively Low) in Pleasants County and Pleasants County had 26 active NFIP flood policies as of September 2026. See the full Pleasants County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in West Virginia carries a statewide average premium of $1,179 per year.
Key figures
| Median home value | $152,000 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Pleasants County | 26 |
| 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)