Home Insurance in Auburn, West Virginia
The median home in Auburn was built in 1939 or earlier. About 76% of homes were built before 1960, about 44 points above Ritchie County's 32%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Auburn, the housing stock is 76% single-family homes and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 20% of owner-occupied homes in Auburn have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 42% of occupied homes in Auburn are owner-occupied.
In Auburn, 88% of homes are primarily heated with natural gas.
Ritchie County's top FEMA-rated hazard is hurricane (Very Low), per FEMA's National Risk Index. Ritchie County had 26 active NFIP flood policies as of September 2026. See the full Ritchie County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 42% |
| Share of owner-occupied homes with a mortgage | 20% |
| Top county hazard | Hurricane (Very Low) |
| Active NFIP policies in Ritchie County | 26 |
| 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)