Home Insurance in Huntington, West Virginia
With a median home value of $127,200, Huntington is 23% lower than the Cabell County median.
The typical home in Huntington was built around 1955. About 59% of homes were built before 1960, about 23 points above Cabell County's 36%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Huntington, the housing stock is 66% single-family homes, 21% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Huntington, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Huntington has an owner-occupancy rate of 53% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
In Huntington, 56% of homes are primarily heated with natural gas.
Cabell County had 336 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). See the full Cabell County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
In West Virginia, the statewide average premium for a standard HO-3 homeowners policy is $1,179 per year (NAIC, 2023 data).
Key figures
| Median home value | $127,200 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Cabell County | 336 |
| 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)