Home Insurance in Stonewood, West Virginia
With a median home value of $154,200, Stonewood is 7% lower than the Harrison County median.
The typical home in Stonewood was built around 1959. About 52% of homes were built before 1960, about 6 points above Harrison County's 45%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Stonewood, the housing stock is 79% single-family homes, 6% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
52% of owner-occupied homes in Stonewood carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Stonewood has an owner-occupancy rate of 71% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Stonewood - 89% - 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 | $154,200 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)