Home Insurance in Womelsdorf (Coalton), West Virginia
With a median home value of $98,300, Womelsdorf (Coalton) is 32% lower than the Randolph County median.
The typical home in Womelsdorf (Coalton) was built around 1989. About 32% of homes were built before 1960, in line with Randolph County (33%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Womelsdorf (Coalton) is 61% single-family homes and 39% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Womelsdorf (Coalton), about 30% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 81% of occupied homes in Womelsdorf (Coalton) are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Womelsdorf (Coalton) - 61% - are primarily heated with electricity. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Randolph County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Randolph County had 140 active NFIP flood policies as of September 2026. See the full Randolph 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 | $98,300 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Randolph County | 140 |
| 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)