Home Insurance in Randolph County, West Virginia
Homes in Randolph County carry a median value of $144,800 - 11% lower than the West Virginia median.
The typical home in Randolph County was built around 1977. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 33% of homes were built before 1960, in line with West Virginia (32%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Randolph County is 71% single-family homes, 5% apartments in buildings with 5+ units and 17% mobile or manufactured homes.
About 38% of owner-occupied homes in Randolph County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 75% of occupied homes in Randolph County are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Randolph County, 39% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists inland flooding (Relatively Moderate), winter weather (Relatively Low) and hurricane (Very Low) as the leading hazards for Randolph County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Randolph County has 140 active NFIP flood policies on file.
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 | $144,800 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Winter Weather (Relatively Low), Hurricane (Very Low) |
| Active NFIP flood policies (county) | 140 |
| 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)