Home Insurance in Mingo County, West Virginia
The median home value in Mingo County is $90,500, 44% lower than the West Virginia median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Mingo County was built around 1982. About 20% of homes were built before 1960, about 11 points below West Virginia's 32%.
The housing stock in Mingo County is 59% single-family homes, 6% apartments in buildings with 5+ units and 32% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
23% of owner-occupied homes in Mingo County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Mingo County has an owner-occupancy rate of 73% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
In Mingo County, 75% of homes are primarily heated with electricity.
FEMA's National Risk Index lists inland flooding (Relatively Moderate), wildfire (Relatively Low) and hurricane (Very Low) as the leading hazards for Mingo County.
Mingo County had 256 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.
The statewide average premium for a standard HO-3 homeowners policy in West Virginia is $1,179 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $90,500 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 23% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Wildfire (Relatively Low), Hurricane (Very Low) |
| Active NFIP flood policies (county) | 256 |
| Home insurance premium | $1,179 - statewide average (NAIC, 2023 data) |
Towns and cities
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)