Home Insurance in Kingwood, West Virginia
Homes in Kingwood carry a median value of $162,000 - close to the Preston County median.
The typical home in Kingwood was built around 1966. About 43% of homes were built before 1960, about 19 points above Preston County's 24%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Kingwood is 72% single-family homes, 17% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 63% of owner-occupied homes in Kingwood have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 68% of occupied homes in Kingwood are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
68% of homes in Kingwood are primarily heated with natural gas.
Preston County had 74 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Low). 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.
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 | $162,000 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)