Home Insurance in Lost Creek, West Virginia
With a median home value of $131,800, Lost Creek is 21% lower 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 Lost Creek was built around 1967. About 39% of homes were built before 1960, about 6 points below Harrison County's 45%.
In Lost Creek, the housing stock is 73% single-family homes and 27% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Lost Creek, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Lost Creek are owner-occupied.
77% of homes in Lost Creek 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.
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 | $131,800 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)