Home Insurance in Albright, West Virginia
Homes in Albright carry a median value of $39,000 - 76% lower than the Preston County median.
The typical home in Albright was built around 1948. About 51% of homes were built before 1960, about 27 points above Preston County's 24%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Albright is 68% single-family homes and 21% 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.
21% of owner-occupied homes in Albright carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Albright has an owner-occupancy rate of 42% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Albright - 66% - are primarily heated with natural gas.
Preston County's top FEMA-rated hazard is inland flooding (Relatively Low), per FEMA's National Risk Index. Preston County had 74 active NFIP flood policies as of September 2026. See the full Preston County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $39,000 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 42% |
| Share of owner-occupied homes with a mortgage | 21% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Preston County | 74 |
| 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)