Home Insurance in Windsor Heights, West Virginia
The median home value in Windsor Heights is $58,600, 59% lower than the Brooke County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Windsor Heights was built in 1939 or earlier. About 77% of homes were built before 1960, about 34 points above Brooke County's 43%.
In Windsor Heights, the housing stock is 90% single-family homes and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Windsor Heights, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 92% of occupied homes in Windsor Heights are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Windsor Heights - 63% - are primarily heated with fuel oil.
What's the biggest home insurance risk near Windsor Heights? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Brooke County and 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 | $58,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)