Home Insurance in Raleigh County, West Virginia
With a median home value of $150,900, Raleigh County is 7% lower than the West Virginia median.
The typical home in Raleigh County was built around 1977. About 29% of homes were built before 1960, about 3 points below West Virginia's 32%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Raleigh County, the housing stock is 75% single-family homes, 6% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
45% of owner-occupied homes in Raleigh County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Raleigh County are owner-occupied.
56% of homes in Raleigh County are primarily heated with electricity.
FEMA's National Risk Index lists inland flooding (Relatively Moderate), winter weather (Relatively Moderate) and wildfire (Relatively Low) as the leading hazards for Raleigh County.
As of September 2026, Raleigh County has 106 active NFIP flood insurance policies. 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 | $150,900 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Winter Weather (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 106 |
| Home insurance premium | $1,179 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)