Home Insurance in Putnam County, West Virginia
Homes in Putnam County carry a median value of $223,300 - 37% higher than the West Virginia median.
The typical home in Putnam County was built around 1989. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 14% of homes were built before 1960, about 17 points 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 Putnam County is 78% single-family homes, 6% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
In Putnam County, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Putnam County has an owner-occupancy rate of 82% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Putnam County - 61% - are primarily heated with electricity.
FEMA's National Risk Index lists inland flooding (Relatively Moderate), hurricane (Very Low) and wildfire (Very Low) as the leading hazards for Putnam County.
Putnam County had 255 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In West Virginia, the statewide average premium for a standard HO-3 homeowners policy is $1,179 per year (NAIC, 2023 data).
Key figures
| Median home value | $223,300 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Hurricane (Very Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 255 |
| Home insurance premium | $1,179 - statewide average (NAIC, 2023 data) |
Towns and cities
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)