Home Insurance in Mason, West Virginia
Homes in Mason carry a median value of $110,400 - 8% lower than the Mason County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Mason was built around 1957. About 55% of homes were built before 1960, about 25 points above Mason County's 30%.
The housing stock in Mason is 74% single-family homes, 2% apartments in buildings with 5+ units and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
26% of owner-occupied homes in Mason carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Mason are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Mason, 47% of homes are primarily heated with electricity.
FEMA rates Mason County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Mason County had 83 active NFIP flood policies as of September 2026. See the full Mason 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 | $110,400 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Mason County | 83 |
| 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)