Home Insurance in Ranson, West Virginia
The median home value in Ranson is $242,700, 31% lower than the Jefferson County median.
The typical home in Ranson was built around 1998. About 16% of homes were built before 1960, about 2 points above Jefferson County's 14%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Ranson is 75% single-family homes, 14% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 81% of owner-occupied homes in Ranson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Ranson has an owner-occupancy rate of 72% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Ranson - 83% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Jefferson County had 182 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Jefferson County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $242,700 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 81% |
| 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
- Charles Town
- Bolivar
- Harpers Ferry
- Shepherdstown
- Martinsburg
- Hedgesville
- Bath (Berkeley Springs)
- Capon Bridge
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)