Home Insurance in Weston, West Virginia
With a median home value of $105,300, Weston is 31% lower than the Lewis County median.
The typical home in Weston was built around 1953. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 58% of homes were built before 1960, about 26 points above Lewis County's 32%.
In Weston, the housing stock is 77% single-family homes, 14% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Weston, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 53% of occupied homes in Weston are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Weston, 75% of homes are primarily heated with natural gas.
Lewis County had 89 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Low). 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.
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 | $105,300 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 28% |
| 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)