Home Insurance in Williamson, West Virginia
With a median home value of $89,600, Williamson is close to the Mingo County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Williamson was built around 1951. About 62% of homes were built before 1960, about 41 points above Mingo County's 20%.
In Williamson, the housing stock is 64% single-family homes and 25% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
37% of owner-occupied homes in Williamson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Williamson has an owner-occupancy rate of 46% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
54% of homes in Williamson are primarily heated with natural gas.
FEMA rates Mingo County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). 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.
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 | $89,600 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)