Home Insurance in Alderson, West Virginia
The median home value in Alderson is $130,400, 12% lower than the Greenbrier County median.
The typical home in Alderson was built around 1965. About 49% of homes were built before 1960, about 21 points above Greenbrier County's 28%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Alderson breaks down to 80% single-family homes, 10% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
52% of owner-occupied homes in Alderson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Alderson has an owner-occupancy rate of 71% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Alderson - 77% - 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.
Greenbrier County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Greenbrier County had 302 active NFIP flood policies as of September 2026. See the full Greenbrier 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 | $130,400 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Greenbrier County | 302 |
| 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)