Home Insurance in Dunbar, West Virginia
The median home value in Dunbar is $119,600, 19% 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 Dunbar was built around 1955. About 64% of homes were built before 1960, about 21 points above Kanawha County's 43%.
In Dunbar, the housing stock is 79% single-family homes and 15% apartments in buildings with 5+ units.
47% of owner-occupied homes in Dunbar carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Dunbar has an owner-occupancy rate of 62% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Dunbar - 63% - are primarily heated with natural gas.
FEMA rates Kanawha County's overall risk as Relatively High, led by inland flooding (Relatively High). Kanawha County had 1,229 active NFIP flood policies as of September 2026. 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.
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 | $119,600 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)