Home Insurance in Ansted, West Virginia
With a median home value of $68,700, Ansted is 35% lower than the Fayette County median.
The typical home in Ansted was built around 1962. About 49% of homes were built before 1960, about 9 points above Fayette County's 40%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Ansted, the housing stock is 77% single-family homes, 7% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 30% of owner-occupied homes in Ansted have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Ansted are owner-occupied.
Most homes in Ansted - 69% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Fayette County's overall risk as Relatively Low, led by inland flooding (Relatively Low). Fayette County had 103 active NFIP flood policies as of September 2026. See the full Fayette County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners 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 | $68,700 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Fayette County | 103 |
| 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)