Home Insurance in Pleasants County, West Virginia
The median home value in Pleasants County is $151,000, 7% lower than the West Virginia median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Pleasants County was built around 1976. About 31% of homes were built before 1960, about 1 point below West Virginia's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pleasants County is 66% single-family homes, 4% apartments in buildings with 5+ units and 23% mobile or manufactured homes.
About 45% of owner-occupied homes in Pleasants County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Pleasants County has an owner-occupancy rate of 81% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Pleasants County, 67% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists inland flooding (Relatively Low), hurricane (Very Low) and earthquake (Very Low) as the leading hazards for Pleasants County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Pleasants County has 26 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 | $151,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Low), Hurricane (Very Low), Earthquake (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)