Home Insurance in Marion County, West Virginia
With a median home value of $166,700, Marion County is close to the West Virginia median.
The typical home in Marion County was built around 1961. About 49% of homes were built before 1960, about 17 points above West Virginia'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 Marion County is 79% single-family homes, 6% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
50% of owner-occupied homes in Marion County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 77% of occupied homes in Marion County are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
68% of homes in Marion County are primarily heated with natural gas.
Per FEMA's National Risk Index, Marion County's top hazards are inland flooding (Relatively Moderate), hail (Relatively Low) and hurricane (Relatively Low).
Marion County had 154 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $166,700 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Hail (Relatively Low), Hurricane (Relatively Low) |
| Active NFIP flood policies (county) | 154 |
| Home insurance premium | $1,179 - statewide average (NAIC, 2023 data) |
Towns and cities
- Barrackville
- Fairmont
- Fairview
- Farmington
- Grant Town
- Mannington
- Monongah
- Pleasant Valley
- Rivesville
- White Hall
- Worthington
Sources
- 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)