Home Insurance in Cedar Grove, West Virginia
With a median home value of $90,700, Cedar Grove is 38% lower than the Kanawha County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Cedar Grove was built around 1963. About 46% of homes were built before 1960, about 3 points above Kanawha County's 43%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cedar Grove is 64% single-family homes and 25% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 31% of owner-occupied homes in Cedar Grove have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 89% of occupied homes in Cedar Grove are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
50% of homes in Cedar Grove are primarily heated with natural gas.
Kanawha County had 1,229 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively High). See the full Kanawha 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 | $90,700 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Kanawha County | 1,229 |
| 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)