Home Insurance in Tunnelton, West Virginia
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Tunnelton was built around 1994. About 24% of homes were built before 1960, in line with Preston County (24%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Tunnelton is 59% single-family homes and 40% mobile or manufactured homes.
About 24% of owner-occupied homes in Tunnelton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Tunnelton are owner-occupied.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Tunnelton, 42% of homes 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 year built | 1994 |
|---|---|
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 24% |
| 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)