Home Insurance in Sophia, West Virginia
Homes in Sophia carry a median value of $116,900 - 23% 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 Sophia was built around 1973. About 37% of homes were built before 1960, about 9 points above Raleigh County's 29%.
The housing stock in Sophia is 83% single-family homes, 10% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 44% of owner-occupied homes in Sophia have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 58% of occupied homes in Sophia are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
69% of homes in Sophia 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.
The statewide average premium for a standard HO-3 homeowners policy in West Virginia is $1,179 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $116,900 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)