Home Insurance in Matewan, West Virginia
The median home value in Matewan is $112,100, 24% higher than the Mingo County median.
The typical home in Matewan was built around 1984. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 9% of homes were built before 1960, about 11 points below Mingo County's 20%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Matewan is 43% single-family homes, 36% apartments in buildings with 5+ units and 18% mobile or manufactured homes.
About 43% of owner-occupied homes in Matewan have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 50% of occupied homes in Matewan are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Matewan - 95% - are primarily heated with electricity.
Mingo County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Mingo County had 256 active NFIP flood policies as of September 2026. See the full Mingo County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners 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 | $112,100 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Mingo County | 256 |
| 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)