Home Insurance in Keystone, West Virginia
The median home value in Keystone is $31,100, 38% lower than the McDowell County median.
The typical home in Keystone was built around 1949. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 59% of homes were built before 1960, about 7 points above McDowell County's 52%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Keystone is 69% single-family homes, 20% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
Almost no owner-occupied homes in Keystone carry a mortgage.
Keystone has an owner-occupancy rate of 57% and a vacancy rate of 67%; unoccupied homes typically need a different coverage form.
Most homes in Keystone - 87% - are primarily heated with electricity. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
McDowell County had 149 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). 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.
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 | $31,100 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 57% |
| 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)