Home Insurance in Bridgeport, West Virginia
The median home value in Bridgeport is $291,600, 75% higher than the Harrison County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bridgeport was built around 1979. About 24% of homes were built before 1960, about 22 points below Harrison County's 45%.
Housing in Bridgeport breaks down to 76% single-family homes, 17% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 57% of owner-occupied homes in Bridgeport have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Bridgeport are owner-occupied.
76% of homes in Bridgeport are primarily heated with natural gas.
Harrison County had 201 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). 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 | $291,600 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)