Home Insurance in Pratt, West Virginia
Homes in Pratt carry a median value of $107,100 - 27% lower than the Kanawha County median.
The typical home in Pratt was built around 1965. About 41% of homes were built before 1960, about 2 points below Kanawha County's 43%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Pratt is 82% single-family homes, 2% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
41% of owner-occupied homes in Pratt carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Pratt has an owner-occupancy rate of 78% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
51% of homes in Pratt are primarily heated with natural gas.
What's the biggest home insurance risk near Pratt? FEMA's National Risk Index points to inland flooding (Relatively High) in Kanawha County and 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.
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 | $107,100 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)