Home Insurance in Charles Town, West Virginia
Homes in Charles Town carry a median value of $377,700 - 8% higher than the Jefferson County median.
The typical home in Charles Town was built around 2002. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 25% of homes were built before 1960, about 11 points above Jefferson County's 14%.
The housing stock in Charles Town is 82% single-family homes and 9% apartments in buildings with 5+ units.
In Charles Town, about 78% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 75% of occupied homes in Charles Town are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Charles Town - 71% - are primarily heated with electricity. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Jefferson County's overall risk as Relatively Low, led by hurricane (Relatively Low). Jefferson County had 182 active NFIP flood policies as of September 2026. See the full Jefferson County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $377,700 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 78% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Jefferson County | 182 |
| Home insurance premium | $1,179 - statewide average (NAIC, 2023 data) |
Nearby towns
- Ranson
- Bolivar
- Harpers Ferry
- Shepherdstown
- Martinsburg
- Hedgesville
- Capon Bridge
- Bath (Berkeley Springs)
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)