Home Insurance in Cabell County, West Virginia
With a median home value of $164,400, Cabell County is close to the West Virginia median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Cabell County was built around 1971. About 36% of homes were built before 1960, about 4 points above West Virginia's 32%.
The housing stock in Cabell County is 67% single-family homes, 16% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
50% of owner-occupied homes in Cabell County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Cabell County has an owner-occupancy rate of 64% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Cabell County - 50% - are primarily heated with electricity.
FEMA's National Risk Index lists inland flooding (Relatively Moderate), winter weather (Relatively Moderate) and strong wind (Relatively Moderate) as the leading hazards for Cabell County.
As of September 2026, Cabell County has 336 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $164,400 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Winter Weather (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 336 |
| Home insurance premium | $1,179 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)