Home Insurance in Hedgesville, West Virginia
Homes in Hedgesville carry a median value of $207,800 - 22% lower than the Berkeley County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hedgesville was built around 1992. About 32% of homes were built before 1960, about 18 points above Berkeley County's 14%.
Housing in Hedgesville breaks down to 95% single-family homes and 2% apartments in buildings with 5+ units.
About 73% of owner-occupied homes in Hedgesville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Hedgesville are owner-occupied.
In Hedgesville, 82% of homes are primarily heated with electricity. Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Berkeley County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Berkeley County had 156 active NFIP flood policies as of September 2026. See the full Berkeley County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $207,800 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Berkeley County | 156 |
| 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)