Home Insurance in Lester, West Virginia
Homes in Lester carry a median value of $89,400 - 41% lower than the Raleigh County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Lester was built around 1983. About 26% of homes were built before 1960, about 3 points below Raleigh County's 29%.
In Lester, the housing stock is 60% single-family homes and 40% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 10% of owner-occupied homes in Lester have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lester has an owner-occupancy rate of 74% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
51% of homes in Lester are primarily heated with natural gas.
Raleigh County had 106 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). See the full Raleigh 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 home value | $89,400 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 10% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Raleigh County | 106 |
| 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)