Home Insurance in Wardensville, West Virginia
With a median home value of $205,300, Wardensville is 23% higher than the Hardy County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Wardensville was built around 1970. About 37% of homes were built before 1960, about 19 points above Hardy County's 18%.
Housing in Wardensville breaks down to 70% single-family homes and 20% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
42% of owner-occupied homes in Wardensville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 62% of occupied homes in Wardensville are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
74% of homes in Wardensville are primarily heated with electricity. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Hardy County had 85 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Hardy County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $205,300 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Hardy County | 85 |
| 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)