Home Insurance in Mineral County, West Virginia
Homes in Mineral County carry a median value of $180,400 - 11% higher than the West Virginia median.
The typical home in Mineral County was built around 1977. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 23% of homes were built before 1960, about 8 points below West Virginia's 32%.
In Mineral County, the housing stock is 78% single-family homes, 5% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Mineral County, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Mineral County are owner-occupied.
Most homes in Mineral County - 51% - are primarily heated with electricity. 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.
The top hazards for Mineral County, per FEMA's National Risk Index, are inland flooding (Relatively Moderate), hurricane (Relatively Low) and winter weather (Relatively Low).
Mineral County had 131 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $180,400 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Hurricane (Relatively Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 131 |
| Home insurance premium | $1,179 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Carpendale
- Median home value: $171,300
- Median year built: 1972
- Owner-occupied share: 86%
-
Piedmont
- Median home value: $46,700
- Median year built: 1944
- Owner-occupied share: 59%
Sources
- 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)