Home Insurance in Junior, West Virginia
The median home value in Junior is $44,100, 67% lower than the Barbour County median.
The typical home in Junior was built around 1952. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 58% of homes were built before 1960, about 24 points above Barbour County's 34%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Junior is 69% single-family homes, 7% apartments in buildings with 5+ units and 22% mobile or manufactured homes.
In Junior, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Junior has an owner-occupancy rate of 58% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 59% of homes in Junior are primarily heated with natural gas.
What's the biggest home insurance risk near Junior? FEMA's National Risk Index points to inland flooding (Relatively Low) in Barbour County and Barbour County had 59 active NFIP flood policies as of September 2026. See the full Barbour 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 | $44,100 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Barbour County | 59 |
| 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)