Home Insurance in Logan, West Virginia
The median home value in Logan is $84,700, 18% lower than the Logan County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Logan was built around 1959. About 51% of homes were built before 1960, about 23 points above Logan County's 27%.
Housing in Logan breaks down to 68% single-family homes and 26% apartments in buildings with 5+ units.
In Logan, about 22% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Logan has an owner-occupancy rate of 48% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
Most homes in Logan - 57% - are primarily heated with electricity.
Logan County had 312 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). See the full Logan 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 | $84,700 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 22% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Logan County | 312 |
| 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)