Home Insurance in Fayetteville, West Virginia
Homes in Fayetteville carry a median value of $184,000 - 74% higher than the Fayette County median.
The typical home in Fayetteville was built around 1968. About 40% of homes were built before 1960, in line with Fayette County (40%). 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 Fayetteville is 86% single-family homes, 9% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Fayetteville, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Fayetteville has an owner-occupancy rate of 74% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Fayetteville - 54% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Fayette County had 103 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Low). 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 | $184,000 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)