Home Insurance in West Logan, West Virginia
Homes in West Logan carry a median value of $73,200 - 29% lower than the Logan County median.
The typical home in West Logan was built around 1957. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 55% of homes were built before 1960, about 28 points above Logan County's 27%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in West Logan is 84% single-family homes, 2% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
About 46% of owner-occupied homes in West Logan have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
West Logan has an owner-occupancy rate of 54% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
55% of homes in West Logan are primarily heated with natural gas.
FEMA rates Logan County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Logan County had 312 active NFIP flood policies as of September 2026. 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 | $73,200 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)