Home Insurance in Keyser, West Virginia
The median home value in Keyser is $143,000, 21% lower than the Mineral County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Keyser was built around 1964. About 41% of homes were built before 1960, about 18 points above Mineral County's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Keyser is 66% single-family homes, 10% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 44% of owner-occupied homes in Keyser have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Keyser has an owner-occupancy rate of 51% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
61% of homes in Keyser are primarily heated with natural gas.
FEMA rates Mineral County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Mineral County had 131 active NFIP flood policies as of September 2026. See the full Mineral 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 | $143,000 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Mineral County | 131 |
| 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)