Home Insurance in Hillsboro, West Virginia
The typical home in Hillsboro was built around 1961. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 50% of homes were built before 1960, about 26 points above Pocahontas County's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hillsboro is 77% single-family homes and 23% mobile or manufactured homes.
8% of owner-occupied homes in Hillsboro carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hillsboro has an owner-occupancy rate of 74% and a vacancy rate of 33%; unoccupied homes typically need a different coverage form.
In Hillsboro, 41% of homes are primarily heated with propane. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Pocahontas County's overall risk as Very Low, led by inland flooding (Relatively Low). Pocahontas County had 163 active NFIP flood policies as of September 2026. See the full Pocahontas 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 year built | 1961 |
|---|---|
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 8% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Pocahontas County | 163 |
| Home insurance premium | $1,179 - statewide average (NAIC, 2023 data) |
Nearby towns
- Marlinton
- Falling Spring
- Richwood
- White Sulphur Springs
- Addison (Webster Springs)
- Lewisburg
- Camden-on-Gauley
- Cowen
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)