Home Insurance in Roane County, West Virginia
With a median home value of $122,100, Roane County is 25% lower than the West Virginia median.
The typical home in Roane County was built around 1976. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 30% of homes were built before 1960, about 2 points below West Virginia's 32%.
The housing stock in Roane County is 68% single-family homes, 2% apartments in buildings with 5+ units and 28% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
36% of owner-occupied homes in Roane County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Roane County has an owner-occupancy rate of 79% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Most homes in Roane County - 54% - are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Roane County's top hazards are inland flooding (Relatively Low), hurricane (Very Low) and earthquake (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Roane County had 76 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $122,100 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Low), Hurricane (Very Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 76 |
| 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)