Home Insurance in Kimball, West Virginia
With a median home value of $30,200, Kimball is 40% lower than the McDowell County median.
The typical home in Kimball was built around 2002. About 23% of homes were built before 1960, about 30 points below McDowell County's 52%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kimball is 42% single-family homes, 6% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Kimball, about 17% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 19% of occupied homes in Kimball are owner-occupied. The vacancy rate is 38%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
92% of homes in Kimball are primarily heated with electricity.
FEMA rates McDowell County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). 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 home value | $30,200 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 19% |
| Share of owner-occupied homes with a mortgage | 17% |
| 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)