Home Insurance in Clay, West Virginia
The median home value in Clay is $44,300, 59% lower than the Clay County median.
The typical home in Clay was built around 1957. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 63% of homes were built before 1960, about 47 points above Clay County's 16%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Clay is 42% single-family homes, 12% apartments in buildings with 5+ units and 14% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
29% of owner-occupied homes in Clay carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 22% of occupied homes in Clay are owner-occupied. The vacancy rate is 46%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
81% of homes in Clay are primarily heated with natural gas.
FEMA rates Clay County's overall risk as Very Low, led by inland flooding (Relatively Low). Clay County had 50 active NFIP flood policies as of September 2026. See the full Clay 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 | $44,300 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 22% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Clay County | 50 |
| 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)