Home Insurance in Jane Lew, West Virginia
Homes in Jane Lew carry a median value of $78,400 - 48% lower than the Lewis County median.
The typical home in Jane Lew was built around 1958. About 54% of homes were built before 1960, about 23 points above Lewis County's 32%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jane Lew is 78% single-family homes, 1% apartments in buildings with 5+ units and 15% mobile or manufactured homes.
About 24% of owner-occupied homes in Jane Lew have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Jane Lew are owner-occupied.
Most homes in Jane Lew - 78% - are primarily heated with natural gas.
Lewis County's top FEMA-rated hazard is inland flooding (Relatively Low), per FEMA's National Risk Index. Lewis County had 89 active NFIP flood policies as of September 2026. See the full Lewis 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 | $78,400 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Lewis County | 89 |
| 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)