Home Insurance in Mannington, West Virginia
The median home value in Mannington is $106,000, 36% lower than the Marion County median.
The median home in Mannington was built in 1939 or earlier. About 69% of homes were built before 1960, about 20 points above Marion County's 49%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Mannington, the housing stock is 88% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
34% of owner-occupied homes in Mannington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Mannington has an owner-occupancy rate of 77% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Mannington, 80% of homes 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.
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 | $106,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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)