Home Insurance in Ravenswood, West Virginia
With a median home value of $97,600, Ravenswood is 38% lower than the Jackson County median.
The typical home in Ravenswood was built around 1965. About 30% of homes were built before 1960, about 12 points above Jackson County's 18%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Ravenswood is 67% single-family homes, 13% 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.
In Ravenswood, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ravenswood has an owner-occupancy rate of 69% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Ravenswood, 59% of homes are primarily heated with natural gas.
Jackson County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Jackson County had 84 active NFIP flood policies as of September 2026. See the full Jackson 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 | $97,600 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Jackson County | 84 |
| 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)