Home Insurance in Bath (Berkeley Springs), West Virginia
The median home value in Bath (Berkeley Springs) is $185,100, 23% lower than the Morgan County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bath (Berkeley Springs) was built around 1960. About 49% of homes were built before 1960, about 31 points above Morgan County's 18%.
The housing stock in Bath (Berkeley Springs) is 58% single-family homes, 27% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
64% of owner-occupied homes in Bath (Berkeley Springs) carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bath (Berkeley Springs) has an owner-occupancy rate of 40% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Bath (Berkeley Springs) - 61% - are primarily heated with electricity. Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Bath (Berkeley Springs)? FEMA's National Risk Index points to hurricane (Relatively Low) in Morgan County and Morgan County had 114 active NFIP flood policies as of September 2026. See the full Morgan County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $185,100 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Morgan County | 114 |
| 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)