Home Insurance in Lumberport, West Virginia
With a median home value of $126,100, Lumberport is 24% lower than the Harrison County median.
The typical home in Lumberport was built around 1964. About 45% of homes were built before 1960, in line with Harrison County (45%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lumberport is 78% single-family homes, 4% apartments in buildings with 5+ units and 16% mobile or manufactured homes.
47% of owner-occupied homes in Lumberport carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lumberport has an owner-occupancy rate of 86% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
Most homes in Lumberport - 64% - are primarily heated with natural gas.
FEMA rates Harrison County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). 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.
The statewide average premium for a standard HO-3 homeowners policy in West Virginia is $1,179 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $126,100 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)