Home Insurance in Wellsburg, West Virginia
Homes in Wellsburg carry a median value of $104,500 - 26% lower than the Brooke County median.
The median home in Wellsburg was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 79% of homes were built before 1960, about 35 points above Brooke County's 43%.
The housing stock in Wellsburg is 80% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 40% of owner-occupied homes in Wellsburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 80% of occupied homes in Wellsburg are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Wellsburg, 82% of homes are primarily heated with natural gas.
FEMA rates Brooke County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in West Virginia carries a statewide average premium of $1,179 per year.
Key figures
| Median home value | $104,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)