Home Insurance in Wheeling, West Virginia
The median home value in Wheeling is $146,500, 12% lower than the Ohio County median.
The typical home in Wheeling was built around 1949. About 63% of homes were built before 1960, about 8 points above Ohio County's 55%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Wheeling is 69% single-family homes and 18% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 48% of owner-occupied homes in Wheeling have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Wheeling are owner-occupied.
71% of homes in Wheeling are primarily heated with natural gas.
Ohio County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Ohio County had 421 active NFIP flood policies as of September 2026. See the full Ohio County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $146,500 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Ohio County | 421 |
| 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)