Home Insurance in Monroe County, West Virginia
The median home value in Monroe County is $156,300, close to the West Virginia median.
The typical home in Monroe County was built around 1978. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 26% of homes were built before 1960, about 6 points below West Virginia's 32%.
In Monroe County, the housing stock is 82% single-family homes, 1% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
42% of owner-occupied homes in Monroe County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Monroe County has an owner-occupancy rate of 87% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
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. Most homes in Monroe County - 56% - are primarily heated with electricity.
Per FEMA's National Risk Index, Monroe County's top hazards are wildfire (Very Low), inland flooding (Relatively Low) and hurricane (Very Low).
Monroe County had 26 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 | $156,300 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Wildfire (Very Low), Inland Flooding (Relatively Low), Hurricane (Very Low) |
| Active NFIP flood policies (county) | 26 |
| 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)