Home Insurance in Brandonville, West Virginia
The median home value in Brandonville is $181,300, 11% higher than the Preston County median.
The typical home in Brandonville was built around 1976. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 37% of homes were built before 1960, about 13 points above Preston County's 24%.
In Brandonville, the housing stock is 92% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
65% of owner-occupied homes in Brandonville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Brandonville has an owner-occupancy rate of 87% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Brandonville, 49% of homes are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Brandonville? FEMA's National Risk Index points to inland flooding (Relatively Low) in Preston County and Preston County had 74 active NFIP flood policies as of September 2026. See the full Preston 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 | $181,300 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Preston County | 74 |
| 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)