Home Insurance in Beech Bottom, West Virginia
The median home value in Beech Bottom is $60,300, 57% lower than the Brooke County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Beech Bottom was built around 1942. About 74% of homes were built before 1960, about 31 points above Brooke County's 43%.
The housing stock in Beech Bottom is 91% single-family homes.
22% of owner-occupied homes in Beech Bottom carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 75% of occupied homes in Beech Bottom are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Beech Bottom - 81% - are primarily heated with natural gas.
Brooke County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Brooke County had 123 active NFIP flood policies as of September 2026. See the full Brooke 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 | $60,300 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 22% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Brooke County | 123 |
| 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)