Home Insurance in Quinwood, West Virginia
The median home value in Quinwood is $77,300, 48% lower than the Greenbrier County median.
The typical home in Quinwood was built around 1948. About 82% of homes were built before 1960, about 54 points above Greenbrier County's 28%. 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 Quinwood is 90% single-family homes and 7% mobile or manufactured homes.
About 36% of owner-occupied homes in Quinwood have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Quinwood are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Quinwood, 54% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Quinwood? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Greenbrier County and 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.
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 | $77,300 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)