Home Insurance in Philippi, West Virginia
With a median home value of $114,500, Philippi is 13% lower than the Barbour County median.
The typical home in Philippi was built around 1960. 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 16 points above Barbour County's 34%.
In Philippi, the housing stock is 67% single-family homes, 10% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 39% of owner-occupied homes in Philippi have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Philippi has an owner-occupancy rate of 56% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Philippi, 69% of homes are primarily heated with natural gas.
FEMA rates Barbour County's overall risk as Very Low, led by inland flooding (Relatively Low). 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 | $114,500 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)