Home Insurance in Peterstown, West Virginia
With a median home value of $116,800, Peterstown is 25% lower than the Monroe County median.
The typical home in Peterstown was built around 1963. About 44% of homes were built before 1960, about 18 points above Monroe County's 26%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Peterstown is 67% single-family homes, 6% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Peterstown, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 67% of occupied homes in Peterstown are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Peterstown - 73% - are primarily heated with electricity.
Monroe County's top FEMA-rated hazard is wildfire (Very Low), per FEMA's National Risk Index. Monroe County had 26 active NFIP flood policies as of September 2026. See the full Monroe County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $116,800 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Monroe County | 26 |
| 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)