Home Insurance in War, West Virginia
With a median home value of $32,600, War is 35% lower than the McDowell County median.
The typical home in War was built around 1954. About 63% of homes were built before 1960, about 11 points above McDowell County's 52%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In War, the housing stock is 86% single-family homes and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 15% of owner-occupied homes in War have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
War has an owner-occupancy rate of 71% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
In War, 66% of homes are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near War? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in McDowell County and 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 | $32,600 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 15% |
| 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)