Home Insurance in Fairview, West Virginia
With a median home value of $92,400, Fairview is 45% lower than the Marion County median.
The median home in Fairview was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 82% of homes were built before 1960, about 33 points above Marion County's 49%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Fairview is 77% single-family homes and 19% mobile or manufactured homes.
In Fairview, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 90% of occupied homes in Fairview are owner-occupied.
87% of homes in Fairview are primarily heated with natural gas.
FEMA rates Marion County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Marion County had 154 active NFIP flood policies as of September 2026. See the full Marion County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in West Virginia is $1,179 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $92,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Marion County | 154 |
| 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)