Home Insurance in West Union, West Virginia
Homes in West Union carry a median value of $98,600 - 39% lower than the Doddridge County median.
The typical home in West Union was built around 1941. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 73% of homes were built before 1960, about 36 points above Doddridge County's 37%.
In West Union, the housing stock is 78% single-family homes, 12% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 42% of owner-occupied homes in West Union have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 80% of occupied homes in West Union are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
77% of homes in West Union are primarily heated with natural gas.
Doddridge County had 33 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Low). See the full Doddridge 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 | $98,600 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Doddridge County | 33 |
| 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)