Home Insurance in Harrisville, West Virginia
With a median home value of $123,000, Harrisville is 6% higher than the Ritchie County median.
The typical home in Harrisville was built around 1969. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 34% of homes were built before 1960, about 2 points above Ritchie County's 32%.
In Harrisville, the housing stock is 65% single-family homes, 12% apartments in buildings with 5+ units and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
46% of owner-occupied homes in Harrisville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 76% of occupied homes in Harrisville are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Harrisville, 82% 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.
In West Virginia, the statewide average premium for a standard HO-3 homeowners policy is $1,179 per year (NAIC, 2023 data).
Key figures
| Median home value | $123,000 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)