Home Insurance in Pax, West Virginia
Homes in Pax carry a median value of $43,300 - 59% lower than the Fayette County median.
The typical home in Pax was built around 1948. About 55% of homes were built before 1960, about 15 points above Fayette County's 40%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pax is 76% single-family homes and 24% mobile or manufactured homes.
About 6% of owner-occupied homes in Pax have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Pax has an owner-occupancy rate of 68% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
98% of homes in Pax are primarily heated with electricity.
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.
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 | $43,300 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 6% |
| 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)