Home Insurance in Sutton, West Virginia
With a median home value of $87,700, Sutton is 26% lower than the Braxton County median.
The typical home in Sutton was built around 1953. About 67% of homes were built before 1960, about 34 points above Braxton County's 34%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sutton is 76% single-family homes, 8% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
About 43% of owner-occupied homes in Sutton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Sutton has an owner-occupancy rate of 58% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
72% of homes in Sutton are primarily heated with natural gas.
Braxton County had 44 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Low). See the full Braxton 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 | $87,700 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Braxton County | 44 |
| 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)