Home Insurance in Weirton, West Virginia
Homes in Weirton carry a median value of $133,500 - close to the Hancock County median.
The typical home in Weirton was built around 1958. About 58% of homes were built before 1960, about 5 points above Hancock County's 53%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Weirton, the housing stock is 82% single-family homes, 9% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 48% of owner-occupied homes in Weirton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 69% of occupied homes in Weirton are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Weirton, 77% of homes are primarily heated with natural gas.
Hancock County's top FEMA-rated hazard is inland flooding (Relatively Low), per FEMA's National Risk Index. Hancock County had 81 active NFIP flood policies as of September 2026. See the full Hancock 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 | $133,500 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Hancock County | 81 |
| 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)