Home Insurance in Harrison County, West Virginia
With a median home value of $166,200, Harrison County is close to the West Virginia median.
The typical home in Harrison County was built around 1965. About 45% of homes were built before 1960, about 14 points above West Virginia's 32%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Harrison County, the housing stock is 77% single-family homes, 10% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 47% of owner-occupied homes in Harrison County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 74% of occupied homes in Harrison County are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Harrison County, 78% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Harrison County's top hazards are inland flooding (Relatively Moderate), hail (Relatively Moderate) and hurricane (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Harrison County has 201 active NFIP flood policies on file.
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 | $166,200 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Hail (Relatively Moderate), Hurricane (Relatively Low) |
| Active NFIP flood policies (county) | 201 |
| Home insurance premium | $1,179 - statewide average (NAIC, 2023 data) |
Towns and cities
- Anmoore
- Bridgeport
- Clarksburg
- Lost Creek
- Lumberport
- Nutter Fort
- Salem
- Shinnston
- Stonewood
- West Milford
Sources
- 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)