Home Insurance in West Milford, West Virginia
The median home value in West Milford is $127,800, 23% lower than the Harrison County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in West Milford was built around 1973. About 38% of homes were built before 1960, about 7 points below Harrison County's 45%.
Housing in West Milford breaks down to 92% single-family homes and 2% mobile or manufactured homes.
About 80% of owner-occupied homes in West Milford have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 84% of occupied homes in West Milford are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
68% of homes in West Milford 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 | $127,800 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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)