Home Insurance in Salem, West Virginia
Homes in Salem carry a median value of $77,800 - 53% lower than the Harrison County median.
The typical home in Salem was built around 1956. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 51% of homes were built before 1960, about 6 points above Harrison County's 45%.
The housing stock in Salem is 66% single-family homes, 23% 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.
In Salem, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Salem has an owner-occupancy rate of 70% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
65% of homes in Salem 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 | $77,800 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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)