Home Insurance in Shepherdstown, West Virginia
With a median home value of $485,200, Shepherdstown is 38% higher than the Jefferson County median.
The typical home in Shepherdstown was built around 1965. About 47% of homes were built before 1960, about 34 points above Jefferson County's 14%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Shepherdstown breaks down to 76% single-family homes and 16% apartments in buildings with 5+ units.
About 57% of owner-occupied homes in Shepherdstown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Shepherdstown has an owner-occupancy rate of 73% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Shepherdstown - 62% - are primarily heated with electricity. Homes heated with propane and fuel oil 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.
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 | $485,200 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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
- Bolivar
- Harpers Ferry
- Ranson
- Martinsburg
- Charles Town
- 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)