Home Insurance in Anmoore, West Virginia
The median home value in Anmoore is $90,300, 46% lower than the Harrison County median.
The typical home in Anmoore was built around 1959. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 52% of homes were built before 1960, about 7 points above Harrison County's 45%.
The housing stock in Anmoore is 67% single-family homes, 12% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 31% of owner-occupied homes in Anmoore have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Anmoore has an owner-occupancy rate of 38% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Anmoore, 80% of homes are primarily heated with natural gas.
Harrison County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Harrison County had 201 active NFIP flood policies as of September 2026. See the full Harrison 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 | $90,300 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 38% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Harrison County | 201 |
| 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)