Home Insurance in Milton, West Virginia
The median home value in Milton is $143,900, 12% lower than the Cabell County median.
The typical home in Milton was built around 1997. About 20% of homes were built before 1960, about 16 points below Cabell County's 36%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Milton is 56% single-family homes, 20% apartments in buildings with 5+ units and 15% mobile or manufactured homes.
69% of owner-occupied homes in Milton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Milton are owner-occupied.
Most homes in Milton - 67% - are primarily heated with electricity.
FEMA rates Cabell County's overall risk as Relatively Moderate, led by inland flooding (Relatively Moderate). Cabell County had 336 active NFIP flood policies as of September 2026. 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.
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 | $143,900 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)