Home Insurance in Ohio County, West Virginia
With a median home value of $166,000, Ohio County is close to the West Virginia median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Ohio County was built around 1956. About 55% of homes were built before 1960, about 23 points above West Virginia's 32%.
In Ohio County, the housing stock is 72% single-family homes, 15% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
46% of owner-occupied homes in Ohio County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Ohio County are owner-occupied.
In Ohio County, 65% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists inland flooding (Relatively Moderate), hurricane (Very Low) and hail (Relatively Low) as the leading hazards for Ohio County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Ohio County has 421 active NFIP flood policies on file.
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 | $166,000 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Hurricane (Very Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 421 |
| 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)