Home Insurance in Eleanor, West Virginia
Homes in Eleanor carry a median value of $255,400 - 14% higher than the Putnam County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Eleanor was built around 1974. About 36% of homes were built before 1960, about 21 points above Putnam County's 14%.
Housing in Eleanor breaks down to 87% single-family homes and 3% apartments in buildings with 5+ units.
About 55% of owner-occupied homes in Eleanor have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Eleanor are owner-occupied.
70% of homes in Eleanor are primarily heated with natural gas.
What's the biggest home insurance risk near Eleanor? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Putnam County and Putnam County had 255 active NFIP flood policies as of September 2026. See the full Putnam County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners 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 | $255,400 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Putnam County | 255 |
| 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)