Home Insurance in Rainelle, West Virginia
The median home value in Rainelle is $80,800, 46% lower than the Greenbrier County median.
The typical home in Rainelle was built around 1971. About 42% of homes were built before 1960, about 14 points above Greenbrier County's 28%. 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 Rainelle is 76% single-family homes, 5% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
39% of owner-occupied homes in Rainelle carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Rainelle has an owner-occupancy rate of 67% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Rainelle - 81% - are primarily heated with electricity.
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.
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 | $80,800 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)