Home Insurance in Ellenboro, West Virginia
The median home value in Ellenboro is $118,200, close to the Ritchie County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Ellenboro was built around 1976. About 27% of homes were built before 1960, about 5 points below Ritchie County's 32%.
In Ellenboro, the housing stock is 63% single-family homes and 35% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
20% of owner-occupied homes in Ellenboro carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 89% of occupied homes in Ellenboro are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
71% of homes in Ellenboro 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 home value | $118,200 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 89% |
| 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)