Home Insurance in Mabscott, West Virginia
With a median home value of $159,700, Mabscott is 6% higher than the Raleigh County median.
The typical home in Mabscott was built around 1972. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 36% of homes were built before 1960, about 7 points above Raleigh County's 29%.
In Mabscott, the housing stock is 84% single-family homes, 4% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
46% of owner-occupied homes in Mabscott carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Mabscott has an owner-occupancy rate of 70% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Most homes in Mabscott - 51% - are primarily heated with natural gas.
FEMA rates Raleigh County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Raleigh County had 106 active NFIP flood policies as of September 2026. 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.
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 | $159,700 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)