Home Insurance in Anawalt, West Virginia
The typical home in Anawalt was built around 1948. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 70% of homes were built before 1960, about 17 points above McDowell County's 52%.
In Anawalt, the housing stock is 78% single-family homes, 2% apartments in buildings with 5+ units and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
Almost no owner-occupied homes in Anawalt carry a mortgage.
About 81% of occupied homes in Anawalt are owner-occupied. The vacancy rate is 39%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Anawalt, 50% of homes are primarily heated with electricity.
McDowell County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. McDowell County had 149 active NFIP flood policies as of September 2026. See the full McDowell 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 year built | 1948 |
|---|---|
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in McDowell County | 149 |
| 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)