Home Insurance in Chesapeake, West Virginia
Homes in Chesapeake carry a median value of $84,500 - 43% lower than the Kanawha County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Chesapeake was built around 1960. About 51% of homes were built before 1960, about 8 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 Chesapeake is 70% single-family homes, 2% apartments in buildings with 5+ units and 24% mobile or manufactured homes.
38% of owner-occupied homes in Chesapeake carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 78% of occupied homes in Chesapeake are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Chesapeake - 63% - 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 | $84,500 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)